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Overview / Commentary
312 North Applegate
Winona, MS 38967

Bank of Winona is headquartered in Winona and is the 65th largest bank in the state of Mississippi. It is also the 4,444th largest bank in the nation. It was established in 1885 and as of December of 2013, it had grown to 19 employees at 1 location. Bank of Winona has a C+ health rating.

Reviews (1)

Be Careful!!!!!

I used this bank, however when I had to travel internationally all my money was drained from my checking account. I had a police report from the country where this happened and the fraudster cloaned my debit card while overseas. The Bank of Winona stated they did not have insurance to cover people like me and blamed me for turning on my credit card while overseas! The fraudster took all my money in my account, over $2,300 USD.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of Winona had $3.35 million in non-current loans and owned real-estate with $9.84 million in equity and loan loss allowances on hand to cover it. This gives Bank of Winona a Texas Ratio of 34.08% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of Winona increased slightly from 22.95% as of December 31, 2012 to 34.08% as of December 31, 2013, resulting in a negative change of 48.50%. This indicates that the balance sheet and financial strength for Bank of Winona has declined slightly in recent periods.

Deposit Growth


In the past year, Bank of Winona has increased its total deposits by $1.67 million, resulting in 1.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Winona has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Winona has $112.76 million in assets with $9.84 million in equity, resulting in a capitalization level of 8.72%, which is average.

Institution Statistics

FDIC Certificate #12207
Year Established1885
Primary RegulatorFDIC
Assets and Liabilities
Assets$112.76 million
Loans$39.96 million
Deposits$100.34 million
Equity Capital$9.24 million
Loan Loss Allowance$598,000
Unbacked Noncurrent Loans$1.38 million
Real Estate Owned$1.97 million
Historic Data - December 2012
Assets$113.85 million
Equity Capital$12.18 million
Loan Loss Allowance$662,000
Unbacked Noncurrent Loans$1.38 million
Real Estate Owned$2.37 million
Profit Margin - Quarterly
Net Interest Margin3.45%
Return on Assets0.76%
Return on Equity7.86%
Interest Income$4.14 million

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Bank of Winona Locations
Bank Of Winona312 North ApplegateWinona, MS 38967