BlastPoint's Banking Scorecard

WNB FINANCIAL, N.A.

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

Winona, MN

7 branches across MN · WI

2664 banks in the $100M-$1B peer group nationally 152 in MN

WNB FINANCIAL, N.A. has 1 strength but faces 4 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 9.8% in tier

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 44.0% in tier
- ROA 0.46% below tier average
- Net Interest Margin 0.56% below tier average
- Efficiency Ratio 6.86% above tier average

Get updates when WNB FINANCIAL, N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$570.0M +4.0% YoY -2.6% QoQ	+$183.9M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$340.9M +2.7% YoY -2.0% QoQ	+$85.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$499.9M +4.6% YoY -3.0% QoQ	+$172.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	0.81% +58.8% YoY +6.7% QoQ	-0.46%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.37% +11.4% YoY +1.4% QoQ	-0.56%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	72.14% -11.0% YoY -1.5% QoQ	+6.86%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.08% -9.0% YoY +576.4% QoQ	-0.80%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	68.19% -1.9% YoY +1.0% QoQ	-8.45%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	18.23% -12.5% YoY -5.2% QoQ	-3.79%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.05% -24.3% YoY +580.3% QoQ	-0.59%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	78%
Tier 1 Capital Ratio ?	10.54% +0.3% YoY +4.0% QoQ	-5.29%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.23% -9.9% YoY -75.2% QoQ	-0.05%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	Top 10.7% in tier

Get Full Access to WNB FINANCIAL, N.A.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#66 of 664 • Top 9.8% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#294 of 666 • Bottom 44.0% 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: 10.54%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

286

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#286 of 2664 Top 10.7% in $100M-$1B

544

Total Deposits

size

Value: $499.94M

Peer Median: $327.97M

#544 of 2664 Top 20.4% in $100M-$1B

580

Total Assets

size

Value: $569.96M

Peer Median: $386.08M

#580 of 2664 Top 21.7% in $100M-$1B

591

Nonperforming Asset Ratio

credit_quality

Value: 0.05%

Peer Median: 0.64%

#591 of 2664 Top 22.1% in $100M-$1B

649

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.89%

#649 of 2654 Top 24.4% in $100M-$1B

Top Weaknesses (2 metrics)

2222

Tier 1 Capital Ratio

capital

Value: 10.54%

Peer Median: 15.83%

#2222 of 2664 Bottom 16.6% in $100M-$1B

2000

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.93%

#2000 of 2664 Bottom 25.0% in $100M-$1B