BlastPoint's Banking Scorecard
Bank of Winona
Micro
Specialty: Other
MS
FDIC cert 12207
Designations: ✓ Community bank
Winona, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Bank of Winona demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.38% below tier
- + Tier 1 Capital Ratio 24.18% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.0M
-2.2% YoY
+0.1% QoQ
|
-$78.5M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$46.6M
-0.9% YoY
+1.1% QoQ
|
-$92.6M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$116.1M
-4.1% YoY
+0.5% QoQ
|
-$67.5M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.40%
-37.6% YoY
-46.1% QoQ
|
-0.68% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.22%
+1.2% YoY
+1.8% QoQ
|
-0.64% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
85.14%
+9.6% YoY
+11.3% QoQ
|
+17.42% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.27%
-25.5% YoY
+1.7% QoQ
|
+0.63% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
40.15%
+3.4% YoY
+0.6% QoQ
|
-34.38% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.07%
-2.4% YoY
-3.8% QoQ
|
-0.32% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.43%
-24.5% YoY
+2.6% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
33.03%
+2.7% YoY
-2.6% QoQ
|
+24.18% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.25%
-46.1% YoY
+38.8% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.15%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.03%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Tier 1 Capital Ratio
Current: 33.03% · Tier avg: 8.85%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.15% · Tier avg: 74.53%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.07% · Tier avg: 22.39%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
34
34th pctile
Total Assets
Current: $139.0M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $116.1M · Tier avg: $183.7M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.6M · Tier avg: $139.2M
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.14% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.14% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
18
18th pctile
Total Loans
Current: $46.6M · Tier avg: $139.2M
23
23th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.85%
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
34
34th pctile
Total Deposits
Current: $116.1M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $139.0M · Tier avg: $217.5M
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 22.07% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.15% · Tier avg: 74.53%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.03% · Tier avg: 8.85%