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 1,596^th largest bank in the nation. It was established in 1874 and as of September of 2021, it had grown to 96 employees at 7 locations. WNB Financial has an A+ health rating.

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Health

A+

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	5280
Year Established	1874
Employees	96
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.51%
Return on Equity - YTD	12.71%
Annual Interest Income	$12.8MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$561.2MM$495.6MM
Loans	Q3 2021vs Q3 2020	$271.6MM$279.1MM
Deposits	Q3 2021vs Q3 2020	$495.3MM$428.9MM
Equity Capital	Q3 2021vs Q3 2020	$63.4MM$64.3MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$4.0MM$3.4MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$314.00K$1.2MM
Real Estate Owned	Q3 2021vs Q3 2020	$30.00K$108.00K

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
0.24%^*	$250k^*	-	Business Money Fund
OTHER TIERS: 0.05% → Up to $1k \| 0.08% → $1k - $10k \| 0.10% → $10k - $25k \| 0.12% → $25k - $50k \| 0.16% → $50k - $100k \| 0.20% → $100k - $250k
0.24%^*	$250k^*	-	Money Fund Account
OTHER TIERS: 0.05% → Up to $1k \| 0.08% → $1k - $10k \| 0.10% → $10k - $25k \| 0.12% → $25k - $50k \| 0.16% → $50k - $100k \| 0.20% → $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
0.30%	$500	-	3 Year CD
0.20%	$500	-	2 Year CD
0.15%	$500	-	1 Year CD

WNB Financial IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$500	-	3 Year IRA
0.20%	$500	-	2 Year IRA
0.15%	$500	-	1 Year IRA

Locations

WNB Financial Locations
West Office	1491 West Broadway	Winona, MN 55987
Winona National Bank	204 Main Street	Winona, MN 55987
East Office	840 Mankato Avenue	Winona, MN 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
Wnb Financial, N.A. Branch	501 Empire Street	Holmen, WI 55987

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