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Bank Of Winona
Winona, MS · FDIC Certificate #12207 · Chartered 06/1
Total assets
$142.72M
Total deposits
$119.64M
Total equity
$16.93M
Net loans
$46.56M
Branches (offices)
1
Net income (YTD)
$842.00K
Rank: #3,357 of 4,213 U.S. banks by assets · #52 of 57 in Mississippi. Assets changed 2.2% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.11% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 11.86% |
| Tier 1 leverage ratio | 13.12% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 38.9% |
| Real estate loans (share of loans) | 81.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.80M | 81.2% | |
| Commercial & industrial | $2.53M | 5.4% | |
| Consumer / individual | $3.67M | 7.9% | |
| Construction & development | $20.00K | 0.0% | |
| Agricultural | $1.66M | 3.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $137.66M | $121.16M | $837.00K | $11.39M |
| Jun 2023 | $152.29M | $132.78M | $2.86M | $14.00M |
| Jun 2024 | $147.53M | $126.25M | $853.00K | $15.32M |
| Jun 2025 | $139.61M | $118.14M | $457.00K | $15.40M |
| Jun 2026 | $142.72M | $119.64M | $842.00K | $16.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $119.64M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $119.64M.
Similar-sized banks
Bank Of Cadiz And Trust Company ($142.91M) · Citizens Community Bank ($142.63M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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