BlastPoint's Banking Scorecard
Bank of Winona
Designations: ✓ CDFI-certified
Winona, MS
Bank of Winona faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 33.4% in tier
- - Liquidity Overhang: Bottom 47.2% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.63% below tier average
- - Efficiency Ratio 7.14% above tier average
- - Delinquency Rate 0.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.6M
+0.7% YoY
+2.6% QoQ
|
-$243.5M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.9% in tier |
| Total Loans ? |
$46.4M
-0.4% YoY
-0.5% QoQ
|
-$209.3M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.4% in tier |
| Total Deposits ? |
$120.2M
+0.1% YoY
+3.5% QoQ
|
-$207.8M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.9% in tier |
| Return on Assets ? |
0.85%
+25.6% YoY
+109.8% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.30%
+8.1% YoY
+2.8% QoQ
|
-0.63% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
72.43%
-7.4% YoY
-14.9% QoQ
|
+7.14% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
1.48%
-13.6% YoY
+16.3% QoQ
|
+0.59% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
38.59%
-0.5% YoY
-3.9% QoQ
|
-38.05% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
Top 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.77%
+9.2% YoY
+12.2% QoQ
|
+2.75% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.48%
-14.5% YoY
+12.8% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
33.56%
+2.7% YoY
+1.6% QoQ
|
+17.73% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 2.7% in tier |
| Non-Interest Income / Assets ? |
0.05%
-2.1% YoY
-79.8% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.