WNB Financial

Overview / Commentary

www.wnbfinancial.com

507-454-8800

204 Main Street
Winona, MN 55987

WNB Financial is headquartered in Winona and is the 35^th largest bank in the state of Minnesota. It is also the 1,589^th largest bank in the nation. It was established in 1874 and as of June of 2022, it had grown to 97 employees at 7 locations. WNB Financial's CD rates are 50% higher than the national average, and it has an A health rating.

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Health

Data as of Q2 2022

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Health Grade Components

Overall
FDIC Certificate #	5280
Year Established	1874
Employees	97
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.83%
Return on Equity - YTD	8.75%
Annual Interest Income	$8.1MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$561.4MM$547.7MM
Loans	Q2 2022vs Q2 2021	$293.0MM$284.4MM
Deposits	Q2 2022vs Q2 2021	$513.2MM$483.1MM
Equity Capital	Q2 2022vs Q2 2021	$45.4MM$62.4MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$4.0MM$4.0MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$270.00K$445.00K
Real Estate Owned	Q2 2022vs Q2 2021	$12.00K$38.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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

WNB Financial Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.41%	-	-	Health Savings Account
0.28%	-	-	Youth Savings Account
0.10%	$10	-	Business Savings
0.10%	$10	-	Statement Savings

WNB Financial Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.39%^*	$250k^*	-	Business Money Fund
OTHER TIERS: 0.05% → Up to $1k \| 0.23% → $1k - $10k \| 0.25% → $10k - $25k \| 0.27% → $25k - $50k \| 0.31% → $50k - $100k \| 0.35% → $100k - $250k
0.39%^*	$250k^*	-	Money Fund Account
OTHER TIERS: 0.05% → Up to $1k \| 0.23% → $1k - $10k \| 0.25% → $10k - $25k \| 0.27% → $25k - $50k \| 0.31% → $50k - $100k \| 0.35% → $100k - $250k

WNB Financial Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Lion's Pride Rewards Checking
0.10%	-	-	WNB Advantage Checking

WNB Financial CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%	$500	-	3 Year CD
1.45%	$500	-	2 Year CD
1.35%	$500	-	1 Year CD

WNB Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%	$500	-	3 Year IRA
1.45%	$500	-	2 Year IRA
1.35%	$500	-	1 Year IRA

Locations

WNB Financial Locations
West Office	1491 West Broadway	Winona, MN 55987
Winona National Bank	204 Main St	Winona, MN 55987
East Office	840 Mankato Avenue	Winona, MN 55987
Wnb Financial, N.A. Branch	501 Empire Street	Holmen, WI 55987
Detached Facility	Dodge And Belvidere	Kellogg, MN 55945
First State Bank Of Wabasha Branch	111 West Main Street	Wabasha, MN 55981
Altoona Branch	1160 Blazing Star Blvd	Altoona, WI 54720

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