Is Bank of Winona Safe?
Bank of Winona has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (66/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 30.47% | 100/100 |
| Nonperforming Loan Ratio | 0.47% | 91/100 |
| Liquidity Ratio | 61.98% | 100/100 |
| Return on Assets | 1.14% | 66/100 |
| Total Assets | $0.1B | |
How does Bank of Winona compare?
With a Bank Health Score of 94/100, Bank of Winona sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Mississippi, where 45 FDIC-insured banks are headquartered, Bank of Winona ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 30.47% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.47% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bank of Winona's Bank Health Score fell by 5.0 points to 94/100. Tier 1 capital strengthened by 1.96 percentage points to 30.47%. Quarter-over-quarter, the score rose by 2.0 points.
Bank of Winona has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (66/100).