WNB FINANCIAL, N.A.

204 Main Street
Winona, MN 55987

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5280
Date Established 1874
Assets $0.42 billion
Loans $0.25 billion
Deposits $0.36 billion
Capital $0.05 billion

WNB FINANCIAL, N.A. is an FDIC insured institution located in Winona, MN. It was founded in 1874 and has approximately $0.42 billion in assets. Customers can open an account at one of its 3 branches.

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

Deposit Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.13% $1,000 $9,999 Learn MoreShow Less
Money Market
0.17% $10,000 $24,999 Learn MoreShow Less
Money Market
0.21% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.32% $500 - Learn MoreShow Less
6 Mo CD
0.35% $500 - Learn MoreShow Less
12 Mo CD
0.45% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
24 Mo CD
0.60% $500 - Learn MoreShow Less
36 Mo CD
0.75% $500 - Learn MoreShow Less
48 Mo CD
0.85% $500 - Learn MoreShow Less
60 Mo CD
0.95% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.45% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

WNB FINANCIAL, N.A. 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


WNB FINANCIAL, N.A. Locations


Financial Details

WNB FINANCIAL, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of WNB FINANCIAL, N.A.. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
WNB FINANCIAL, N.A. U.S. Bank Average
0.89% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2019, WNB FINANCIAL, N.A. had $296,000 in non-current loans and $213,000 in owned real estate. To cover these potential losses it had $54,321,000 in equity and $2,655,000 in loans loss reserves. That gives it a Texas Ratio of 0.89%.

Return on Equity
WNB FINANCIAL, N.A. U.S. Bank Average
6.89% 9.47%

WNB FINANCIAL, N.A. has a Return on Equity of 6.89% versus the BestCashCow average of 9.47%. 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
WNB FINANCIAL, N.A. U.S. Bank Average
13.08% 12.49%

WNB FINANCIAL, N.A. has a Capitalization of 13.08% versus the BestCashCow average of 12.49. 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.

WNB FINANCIAL, N.A. Balance Sheet Analysis

As of March 31, 2019, WNB FINANCIAL, N.A. had assets of $415,295,000, loans of $245,763,000, and deposits of $356,517,000. 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.

Summary Balance Sheet

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.11 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.25 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.01 billion
     Total Assets $0.36 billion
LIABILITIES
Total deposits $0.36 billion
      Interest-bearing deposits $0.29 billion
      Deposits held in domestic offices $0.36 billion
      % insured (estimated) 87.74%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.36 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in WNB FINANCIAL, N.A.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Minnesota, WNB FINANCIAL, N.A. has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate 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 30.58
Multifamily
Mortgages
8.17
Credit Card Loans 0.00
Consumer Auto Loans 0.73
Small Business Loans 0.00
Construction and Development Loans 4.26
Commercial Real Estate 38.50
Commercial and Industrial Loans 12.99
Farm Loans 0.61

Frequently Asked Questions About Wnb Financial, N.a.

Branches and Savings

Is Wnb Financial, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #5280.

Why does Wnb Financial, N.a. pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Wnb Financial, N.a. CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Wnb Financial, N.a. a commercial bank?

Yes

Where are Wnb Financial, N.a. locations?

See branch locations nearby.

Is Wnb Financial, N.a. open on Saturdays?

Is Wnb Financial, N.a. open on Sundays?

What time does Wnb Financial, N.a. open?

What time does Wnb Financial, N.a. close?

Are Wnb Financial, N.a. ATMs Open 24/7?

Do Wnb Financial, N.a. ATMs accept cash deposits?

Can Wnb Financial, N.a. customers use other ATMs?

Do Wnb Financial, N.a. branches have notaries?

Will Wnb Financial, N.a. notarize my document?

What address for Wnb Financial, N.a. should I put for incoming ACH transfers?

Will the Wnb Financial, N.a. branch print checks?

Do Wnb Financial, N.a. checks expire?

Does Wnb Financial, N.a. require US citizenship to open account?

Can Wnb Financial, N.a. close my account?

Does Wnb Financial, N.a. Report to credit bureaus?

Does Wnb Financial, N.a. Use Equifax?

What is Wnb Financial, N.a.'s ACH Routing Number?

What is Wnb Financial, N.a.'s SWIFT code?

Products

Does Wnb Financial, N.a. offer mortgages?

Compare mortgage rates here.

Does Wnb Financial, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wnb Financial, N.a. offer personal loans?

Compare personal loan rates here.

Does Wnb Financial, N.a. offer student loans?

Will Wnb Financial, N.a. cash a check?

Will Wnb Financial, N.a. redeem a savings bond?

Does Wnb Financial, N.a. cash savings bonds?

Will Wnb Financial, N.a. cash money orders?

Can Wnb Financial, N.a. issue a money order?

Does Wnb Financial, N.a. do currency exchange?

Background on The Bank

Who owns Wnb Financial, N.a.?

How long has Wnb Financial, N.a. been around?

Can Wnb Financial, N.a. transfer to other banks?

Does Wnb Financial, N.a. have quick pay?

Does Wnb Financial, N.a. accept rolled coins?

Will Wnb Financial, N.a. accept loose change?

Where is Wnb Financial, N.a. headquarters?

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