Total Assets
$139M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Winona — FDIC Bank Health Profile
Winona, Mississippi · Est. 1885. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #12207 Dallas Region
D
Health grade
Weak
Score: 47/100
Basel III capital ratios — Bank of Winona
Total Deposits
$116M
Customer-funded liabilities
Net Loans
$47M
Outstanding loan book
Net Income
$566K
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
33.03%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$17M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.40%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
3.54%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
85.14%
Income & Expense Breakdown
$6M
Interest Income
$342K
Non-Interest Income
$4M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Winona is FDIC-insured (Certificate #12207). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $139M in total assets and $116M in customer deposits, with $47M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Winona reports a Tier 1 Capital Ratio of 33.03% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $17M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.40% and a Return on Equity of 3.54%, with an Efficiency Ratio of 85.14% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (47/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Winona is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Mississippi by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Winona (FDIC Cert #12207) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Bank Gulfport | $35.5B | B | 1.41% |
| Renasant Bank Tupelo | $26.7B | C | 0.89% |
| Trustmark Bank Jackson | $18.9B | C | 1.26% |
| BankPlus Belzoni | $8.1B | F | 1.14% |
| Community Bank of Mississippi Flowood | $5.0B | C | 0.89% |
| BankFirst Financial Services Columbus | $3.3B | F | 1.04% |
| Guaranty Bank and Trust Company Belzoni | $2.9B | F | 1.10% |
| Planters Bank & Trust Company Indianola | $2.1B | C | 0.84% |
Frequently Asked Questions
What is Bank of Winona's health grade? ▼
Bank of Winona receives a health grade of D (47/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Bank of Winona? ▼
Bank of Winona holds $139M in total assets and $116M in deposits. It is headquartered in Winona, Mississippi.
Is my money safe at Bank of Winona? ▼
Yes. Bank of Winona is FDIC-insured (Certificate #12207). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Winona's Tier 1 Capital Ratio? ▼
Bank of Winona has a Tier 1 Capital Ratio of 33.03%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of Winona? ▼
Bank of Winona has an Efficiency Ratio of 85.14%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.