Total Assets
$139M
Total balance-sheet footings
FDIC Cert #12207 · Winona, Mississippi · Est. 1885
Bank of Winona - FDIC Bank Health Profile
A community-scale look at Bank of Winona's own numbers, pulled straight from its quarterly FDIC Call Report.
- $139M
- Total assets
- B
- Health grade · Good
- 0.40%
- Return on assets
- 33.0%
- Tier 1 capital
Data updated July 2026
The verdict
Bank of Winona earns a PlainBankData health grade of B (67/100), with well-capitalized at 33.03% Tier 1, 0.40% ROA, 85% efficiency ratio.
- #3,440
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 33.03%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Bank of Winona's 67/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Bank of Winona's composite health score
Tier 1 Capital Ratio (33.03%) 40/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (3.35%) 20/20
Efficiency Ratio (85.14%) 0/15
67 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$116M
Customer-funded liabilities
Net Loans
$47M
Outstanding loan book
Net Income
$566K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Bank of Winona ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Winona's score of 67/100 falls in the highlighted band.
Bank of Winona's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Winona's $139M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
33.03% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
33.03%
Texas Ratio
3.35%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.40%
Return on Equity (ROE)
3.54%
Efficiency Ratio
85.14%
What the numbers say about Bank of Winona
Bank of Winona is an FDIC-insured institution (Certificate #12207) headquartered in Winona, Mississippi, established in 1885. It holds $139M in total assets - 3,440th of 4,313 FDIC-insured banks, $116M in customer deposits, and $47M in net loans. Its capital position: a Tier 1 ratio of 33.03%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.35% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (67 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Bank of Winona is a community-scale institution -- 52nd of 57 FDIC-insured banks headquartered in Mississippi by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$342K
Non-Interest Income
$4M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Winona reports a Texas Ratio of 3.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Winona (FDIC Cert #12207) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is Bank of Winona's health grade?▼
Bank of Winona receives a health grade of B (67/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Winona?▼
Bank of Winona holds $139M in total assets and $116M in deposits, ranking 3,440th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winona, Mississippi.
Is my money safe at Bank of Winona?▼
Yes, deposits at Bank of Winona (Certificate #12207) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bank of Winona's Tier 1 Capital Ratio?▼
Bank of Winona has a Tier 1 Capital Ratio of 33.03%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bank of Winona?▼
Bank of Winona has a Texas Ratio of 3.35%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bank of Winona?▼
Bank of Winona has an Efficiency Ratio of 85.14%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bank of Winona's profile as a depositor or analyst.
- Bank of Winona's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bank of Winona against other Mississippi banks before moving funds. Mississippi banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.