Bank of Winona

312 North Applegate
Winona, MS 38967

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12207
Date Established 1885
Assets $0.12 billion
Loans $0.04 billion
Deposits $0.10 billion
Capital $0.01 billion

Bank of Winona is an FDIC insured institution located in Winona, MS. It was founded in 1885 and has approximately $0.12 billion in assets.

For a more detailed analysis of Bank of Winona's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Winona’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Mississippi, Bank of Winona has a significantly higher percent of Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 45.26
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 8.35
Small Business Loans 32.26
Construction and Development Loans 0.42
Commercial Real Estate 32.26
Commercial and Industrial Loans 2.09
Farm Loans 5.96

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K 0.20% $1,000 - Learn MoreShow Less
6 Mo CD 10K 0.25% $1,000 - Learn MoreShow Less
12 Mo CD 10K 0.45% $1,000 - Learn MoreShow Less
18 Mo CD 10K 0.50% $1,000 - Learn MoreShow Less
24 Mo CD 10K 0.55% $1,000 - Learn MoreShow Less
30 Mo CD 10K 0.60% $1,000 - Learn MoreShow Less
36 Mo CD 10K 1.00% $1,000 - Learn MoreShow Less
48 Mo CD 10K 1.25% $1,000 - Learn MoreShow Less
60 Mo CD 10K 1.35% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.30% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K 1.50% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K 0.25% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.10% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

Bank of Winona branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bank Of Winona Locations

Financial Details

Bank of Winona Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Winona. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Bank of Winona U.S. Bank Average
5.96% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, Bank of Winona had $584,000 in non-current loans and $253,000 in owned real estate. To cover these potential losses it had $13,452,000 in equity and $602,000 in loans loss reserves. That gives it a Texas Ratio of 5.96%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Winona U.S. Bank Average
11.69% 9.45%

Bank of Winona has a Return on Equity of 11.69% versus the BestCashCow average of 9.45%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Bank of Winona U.S. Bank Average
11.65% 11.28%

Bank of Winona has a Capitalization of 11.65% versus the BestCashCow average of 11.28%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank of Winona Balance Sheet Analysis

As of June 30, 2016, Bank of Winona had assets of $115,472,000, loans of $44,664,000, and deposits of $98,392,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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