BlastPoint's Banking Scorecard

Bank of Winona

$100M-$1B Specialty: Other MS FDIC cert 12207

Designations: ✓ CDFI-certified

Winona, MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +1.3% year over year ($119.6M on the books).
Delinquency rate 1.33%.
Return on assets 1.19%.
Efficiency ratio 64.59% vs a 64.48% peer average.
Loan-to-deposit ratio 38.92% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

Bank of Winona faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 49.3% in tier
- ROA 0.13% below tier average
- Net Interest Margin 0.65% below tier average
- Efficiency Ratio 0.12% above tier average
- Delinquency Rate 0.41% above tier average

Get updates when Bank of Winona releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$142.7M +2.2% YoY +0.1% QoQ	-$243.8M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Bottom 12.1% in tier
Total Loans ?	$46.6M +0.5% YoY +0.4% QoQ	-$211.8M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Bottom 2.3% in tier
Total Deposits ?	$119.6M +1.3% YoY -0.5% QoQ	-$207.1M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Bottom 11.7% in tier
Return on Assets ?	1.19% +83.8% YoY +40.6% QoQ	-0.13%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	3.34% +8.1% YoY +0.9% QoQ	-0.65%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	64.59% -18.4% YoY -10.8% QoQ	+0.12%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	1.33% -14.3% YoY -10.0% QoQ	+0.41%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	38.92% -0.8% YoY +0.9% QoQ	-39.03%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 3.8% in tier
Non-Interest-Bearing Deposit Share ?	24.04% +6.3% YoY -2.9% QoQ	+2.01%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.43% -15.8% YoY -9.7% QoQ	-0.24%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	34.20% +2.3% YoY +1.9% QoQ	+18.29%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	Top 2.6% in tier
Non-Interest Income / Assets ?	0.25% +123.2% YoY +400.9% QoQ	-0.32%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	24.0% +1.4pp YoY -0.7pp QoQ	+1.9pp	22.1%	23.1%	22.2%	62%
Brokered Deposits	n/a	n/a	7.9%	3.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	5.4% -1.2pp YoY -0.2pp QoQ	-6.1pp	11.6%	12.4%	12.5%	22%
CRE	n/a	n/a	39.5%	42.3%	41.4%	n/a
1-4 Family	60.6% +4.6pp YoY +0.6pp QoQ	+28.0pp	32.6%	33.1%	31.3%	90%
Consumer	7.9% +0.1pp YoY -0.4pp QoQ	+3.8pp	4.1%	5.6%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	34.2% +0.8pp YoY +0.6pp QoQ	+15.4pp	18.8%	16.5%	19.7%	95%
Leverage Ratio	13.1% -0.1pp YoY +0.3pp QoQ	+0.9pp	12.2%	11.9%	12.6%	76%
Total Capital Ratio	35.5% +0.8pp YoY +0.6pp QoQ	+15.5pp	19.9%	17.7%	20.8%	95%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	14 -1 (-6.7%) YoY 0 QoQ	-45	58	297	482	3%
Assets per Employee ($)	$10.2M +9.5% YoY +0.1% QoQ	+$2.7M	$7.5M	$6.2M	$8.8M	87%
Branch Count	1 0 YoY 0 QoQ	-4	4	22	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.3% -0.2pp YoY -0.1pp QoQ	+0.4pp	0.9%	0.9%	1.0%	79%
Allowance Coverage	1.47x +36.6% YoY +13.4% QoQ	-22.68x	24.15x	4.87x	20.23x	39%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	57%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	10.1% +4.1pp YoY +2.9pp QoQ	-2.1pp	12.2%	11.7%	11.6%	38%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	30%
Net Income ($, YTD)	$842,000 +84.2% YoY — QoQ	-$1.7M	$2.6M	$13.8M	$40.4M	21%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#367 of 742 • Bottom 49.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 34.20%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 38.92%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Tier 1 Capital Ratio

capital

Value: 34.20%

Peer Median: 15.91%

#71 of 2643 Top 2.6% in $100M-$1B

101

Loan-to-Deposit Ratio

liquidity

Value: 38.92%

Peer Median: 77.95%

#101 of 2643 Top 3.8% in $100M-$1B

Top Weaknesses (5 metrics)

2584

Total Loans

size

Value: $46.56M

Peer Median: $258.35M

#2584 of 2643 Bottom 2.3% in $100M-$1B

2336

Total Deposits

size

Value: $119.64M

Peer Median: $326.73M

#2336 of 2643 Bottom 11.7% in $100M-$1B

2323

Total Assets

size

Value: $142.72M

Peer Median: $386.57M

#2323 of 2643 Bottom 12.1% in $100M-$1B

2094

Net Interest Margin

profitability

Value: 3.34%

Peer Median: 3.99%

#2094 of 2643 Bottom 20.8% in $100M-$1B

2075

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.92%

#2075 of 2633 Bottom 21.2% in $100M-$1B