Winona National Bank

Winona National Bank is headquartered in Winona and is the 58^th largest bank in the state of Minnesota. It is also the 2,526^th largest bank in the nation. It was established in 1874 and as of March of 2012, it had grown to 75 employees at 3 locations. Winona National Bank's savings rates are 54% higher than the national average, and it has a 3-star health rating.

Winona National Bank Routing Number: 091900216

Winona National Bank Checking Account Rates

Winona National Bank Savings Account Rates

Winona National Bank CD Rates

Data for Q1 2012

Institution Statistics Winona National Bank FDIC Certificate # 5280 BankRate Report View Year Established 1874 Employees 75 Primary Regulator OCC Assets and Liabilities Assets $256.23 million Loans $120.04 million Deposits $207.83 million Equity Capital $25.81 million Loan Loss Allowance $2.54 million Unbacked Noncurrent Loans $6.67 million Real Estate Owned $587,000 Historic Data - March 2011 Assets $310.52 million Equity Capital $24.82 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $4.83 million Real Estate Owned $3.17 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.89% Return on Equity 9.54% Interest Income $3.13 million

Institution Health Overall Score: 3 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, 2012 Winona National Bank had $7.25 million in non-current loans and owned real-estate with $28.35 million in equity and loan loss allowances on hand to cover it. This gives Winona National Bank a Texas Ratio of 25.58% 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 Winona National Bank held steady from 28.98% as of March 31, 2011 to 25.58% as of March 31, 2012, resulting in a positive change of 11.71%.This indicates that the balance sheet and financial strength for Winona National Bank has held steady in recent periods. Deposit Growth In the past year, Winona National Bank has decreased its total deposits by -$45.63 million, resulting in -18% 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 Winona National Bank has shown is poor. 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. Winona National Bank has $256.23 million in assets with $28.35 million in equity, resulting in a capitalization level of 11.06%, which is above average.

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