Institution Statistics
| Bank of Winona | | FDIC Certificate # | 12207 | | BankRate Report | View | | Year Established | 1885 | | Employees | 19 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $119.84 million | | Loans | $37.74 million | | Deposits | $104.33 million | | Equity Capital | $12.50 million | | Loan Loss Allowance | $630,000 | | Unbacked Noncurrent Loans | $798,000 | | Real Estate Owned | $2.21 million |
Historic Data - March 2012 | | Assets | $114.72 million | | Equity Capital | $11.59 million | | Loan Loss Allowance | $671,000 | | Unbacked Noncurrent Loans | $2.21 million | | Real Estate Owned | $694,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.22% | | Return on Assets | 1.09% | | Return on Equity | 10.34% | | Interest Income | $1.01 million |
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Institution Health
Overall Score:
4 out of 5 
| 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 March 31, 2013 Bank of Winona had $3 million in non-current loans and owned real-estate with $13.13 million in equity and loan loss allowances on hand to cover it. This gives Bank of Winona a Texas Ratio of 22.89% 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 held steady from 23.65% as of March 31, 2012 to 22.89% as of March 31, 2013, resulting in a positive change of 3.22%.This indicates that the balance sheet and financial strength for Bank of Winona has held steady in recent periods. | | Deposit Growth |  | | In the past year, Bank of Winona has increased its total deposits by $4.04 million, resulting in 4.03% 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. | | Capitalization | | | 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 $119.84 million in assets with $13.13 million in equity, resulting in a capitalization level of 10.95%, which is above average. |
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Average User Rating:
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.