WNB Financial


Overview / Commentary
507-454-8800
204 Main Street
Winona, MN 55987

WNB Financial is headquartered in WINONA and is the 36th largest bank in the state of Minnesota. It is also the 1,564th largest bank in the nation. It was established in 1874 and as of September of 2023, it had grown to 107 employees at 7 locations. WNB Financial's money market rates are 5X the national average, and it has a C+ health rating.

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Health
C+

Health Grade Components

Overall
FDIC Certificate #5280
Year Established1874
Employees107
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD7.25%
Annual Interest Income$15.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$578.4MM$554MM
LoansQ3 2023vs Q3 2022$332.9MM$300.6MM
DepositsQ3 2023vs Q3 2022$484.3MM$511.4MM
Equity CapitalQ3 2023vs Q3 2022$47.7MM$39.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$4.4MM$4MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$5.5MM$313K
Real Estate OwnedQ3 2023vs Q3 2022$0$12K
Rates
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Always verify rates and promotions with the bank or credit union. We are not WNB Financial; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

WNB Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.41%--Health Savings Account
0.15%$10-Business Savings
0.15%$100-Personal Savings

WNB Financial Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$250k*-Money Fund Account
OTHER TIERS: 0.10% Up to $1k | 0.50% $1k - $10k | 0.65% $10k - $25k | 1.05% $25k - $50k | 1.40% $50k - $100k | 1.60% $100k - $250k
1.50%*$250k*-Business Money Fund
OTHER TIERS: 0.10% Up to $1k | 0.40% $1k - $10k | 0.50% $10k - $25k | 0.80% $25k - $50k | 1.00% $50k - $100k | 1.20% $100k - $250k

WNB Financial Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$1k-WNB Advantage Checking
0.31%--Commercial Checking
0.10%--Direct Interest Checking
0.10%--50+ Checking
0.10%--Business Interest Checking

WNB Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.90%--8 Month CD Special - New Money
2.15%$500-3 Year Relationship CD
1.65%$500-2 Year Relationship CD
1.40%$500-1 Year Relationship CD
Locations


WNB Financial Locations
West Office1491 West BroadwayWinona, MN 55987
Winona National Bank204 Main StWinona, MN 55987
East Office840 Mankato AvenueWinona, MN 55987
Detached FacilityDodge And BelvidereKellogg, MN 55945
First State Bank Of Wabasha Branch111 West Main StreetWabasha, MN 55981
Altoona Branch1160 Blazing Star BlvdAltoona, WI 54720
Wnb Financial, N.A. Branch501 Empire StreetHolmen, WI 55987

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