Banks · Minnesota

Wnb Financial, N.A.

Winona, MN · FDIC Certificate #5280 · Chartered 01/0

Total assets

$583.75M

Total deposits

$512.86M

Total equity

$60.26M

Net loans

$347.73M

Branches (offices)

Net income (YTD)

$2.89M

Rank: #1,590 of 4,213 U.S. banks by assets · #41 of 221 in Minnesota. Assets changed 4.8% and deposits 4.5% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.00%
Return on equity	9.74%
Net interest margin (YTD)	3.45%
Equity to assets	10.32%
Tier 1 leverage ratio	10.31%
Uninsured deposits (share of deposits)	12.3%
Noncurrent loans (share of loans)	0.08%
Net charge-offs (share of loans)	-0.01%
Loans to deposits	67.8%
Real estate loans (share of loans)	90.0%

Loan mix

Category	Amount	Share
Real estate loans	$312.80M	90.0%
Commercial & industrial	$31.85M	9.2%
Consumer / individual	$4.31M	1.2%
Construction & development	$17.09M	4.9%
Agricultural	$754.00K	0.2%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$561.36M	$513.20M	$2.35M	$45.37M
Jun 2023	$557.79M	$472.06M	$1.73M	$47.91M
Jun 2024	$544.30M	$467.72M	$838.00K	$51.40M
Jun 2025	$556.84M	$490.88M	$1.65M	$55.49M
Jun 2026	$583.75M	$512.86M	$2.89M	$60.26M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
Minnesota	$480.13M	5
Wisconsin	$32.73M	2

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $512.86M.

Similar-sized banks

The Bank And Trust, S.S.B. ($583.77M) · Lumbee Guaranty Bank ($583.49M)

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.