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Overview / Commentary
312 North Applegate
Winona, MS 38967

Bank of Winona is headquartered in Winona and is the 63rd largest bank in the state of Mississippi. It is also the 4,363rd largest bank in the nation. It was established in 1885 and as of June of 2014, it had grown to 18 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 Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of Winona had $3.8 million in non-current loans and owned real-estate with $11.92 million in equity and loan loss allowances on hand to cover it. This gives Bank of Winona a Texas Ratio of 31.86% 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 23.98% as of June 30, 2013 to 31.86% as of June 30, 2014, resulting in a negative change of 32.86%. 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 $391,000, resulting in 0.39% 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 $114.47 million in assets with $11.92 million in equity, resulting in a capitalization level of 10.41%, which is above average.

Institution Statistics

FDIC Certificate #12207
Year Established1885
Primary RegulatorFDIC
Assets and Liabilities
Assets$114.47 million
Loans$38.53 million
Deposits$99.91 million
Equity Capital$11.30 million
Loan Loss Allowance$622,000
Unbacked Noncurrent Loans$1.85 million
Real Estate Owned$1.95 million
Historic Data - June 2013
Assets$114.11 million
Equity Capital$11.50 million
Loan Loss Allowance$607,000
Unbacked Noncurrent Loans$1.85 million
Real Estate Owned$2.20 million
Profit Margin - Quarterly
Return on Assets1.22%
Return on Equity13.43%
Interest Income$2.03 million

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