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WNB FINANCIAL, N.A.

$100M-$1B Specialty: Commercial MN FDIC cert 5280

Winona, MN

7 branches across MN · WI

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 151 in MN.
  • Deposits +4.5% year over year ($512.9M on the books).
  • Delinquency rate 0.08%.
  • Return on assets 1.00%.
  • Efficiency ratio 67.82% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.80% 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 151 in MN
View $100M-$1B leaderboard (MN) →

WNB FINANCIAL, N.A. has 2 strengths but faces 5 concerns

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

  • + Credit Quality Leader: Top 0.5% in tier
  • + Non-Interest Income / Assets 0.06% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 13.9% in tier
  • - Capital Thin: Bottom 44.9% in tier
  • - ROA 0.33% below tier average
  • - Net Interest Margin 0.54% below tier average
  • - Efficiency Ratio 3.34% above tier average
Get updates when WNB FINANCIAL, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $583.7M
+4.8% YoY +2.4% QoQ
+$197.2M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $347.7M
+0.2% YoY +2.0% QoQ
+$89.4M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $512.9M
+4.5% YoY +2.6% QoQ
+$186.1M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.00%
+68.0% YoY +22.5% QoQ
-0.33% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 3.45%
+8.3% YoY +2.3% QoQ
-0.54% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 67.82%
-13.0% YoY -6.0% QoQ
+3.34% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.08%
-2.0% QoQ
-0.84% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 67.80%
-4.1% YoY -0.6% QoQ
-10.15% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 17.73%
-2.3% YoY -2.7% QoQ
-4.30% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
35%
Nonperforming Asset Ratio ? 0.05%
+305.8% YoY -2.4% QoQ
-0.62% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
79%
Tier 1 Capital Ratio ? 10.31%
+2.2% YoY -2.2% QoQ
-5.60% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 14.5% in tier
Non-Interest Income / Assets ? 0.51%
+7.5% YoY +124.2% QoQ
-0.06% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
Top 9.4% in tier

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 (MN) National Avg Tier Percentile
Noninterest-Bearing 17.7%
-0.4pp YoY
-0.5pp QoQ
 -4.4pp 22.1% 21.9% 22.2% 35%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 9.2%
-2.8pp YoY
-0.3pp QoQ
 -2.4pp 11.6% 14.6% 12.5% 47%
CRE 53.8%
+2.4pp YoY
+0.5pp QoQ
 +14.3pp 39.5% 36.5% 41.4% 76%
1-4 Family 35.0%
0.0pp YoY
-0.2pp QoQ
 +2.3pp 32.6% 29.4% 31.3% 61%
Consumer 1.2%
-0.1pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 4.5% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 10.3%
+0.2pp YoY
-0.2pp QoQ
 -1.9pp 12.2% 11.0% 12.6% 38%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 98
-7 (-6.7%) YoY
-2 (-2.0%) QoQ
 +39 58 55 482 86%
Assets per Employee ($) $6.0M
+12.3% YoY
+4.5% QoQ
 -$1.6M $7.5M $8.6M $8.8M 33%
Branch Count 7
0 YoY
0 QoQ
 +2 4 4 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 33%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 11%
Allowance Coverage 15.17x
-96.5% YoY
+0.1% QoQ
 -8.98x 24.15x 20.41x 20.23x 86%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 15%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 9.7%
+3.7pp YoY
+1.8pp QoQ
 -2.5pp 12.2% 13.1% 11.6% 36%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 26%
Net Income ($, YTD) $2.9M
+75.0% YoY
— QoQ
 +$332K $2.6M $4.5M $40.4M 68%

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 (1)

Credit Quality Leader

growth
#4 of 659 • Top 0.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk
#176 of 1256 • Bottom 13.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.08%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

Capital Thin

risk
#298 of 661 • Bottom 44.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.31%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

249
Non-Interest Income / Assets
revenue_mix
Value: 0.51%
Peer Median: 0.57%
#249 of 2643 Top 9.4% in $100M-$1B
495
Total Deposits
size
Value: $512.86M
Peer Median: $326.73M
#495 of 2643 Top 18.7% in $100M-$1B
549
Total Assets
size
Value: $583.75M
Peer Median: $386.57M
#549 of 2643 Top 20.7% in $100M-$1B
566
Nonperforming Asset Ratio
credit_quality
Value: 0.05%
Peer Median: 0.67%
#566 of 2643 Top 21.4% in $100M-$1B
635
Delinquency Rate
credit_quality
Value: 0.08%
Peer Median: 0.92%
#635 of 2633 Top 24.1% in $100M-$1B

Top Weaknesses (1 metrics)

2262
Tier 1 Capital Ratio
capital
Value: 10.31%
Peer Median: 15.91%
#2262 of 2643 Bottom 14.5% in $100M-$1B
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