BlastPoint's Banking Scorecard
WNB FINANCIAL, N.A.
Community
Specialty: Commercial
MN
FDIC cert 5280
Winona, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
WNB FINANCIAL, N.A. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$585.0M
+3.6% YoY
+4.3% QoQ
|
-$806.5M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$347.9M
+2.9% YoY
-1.7% QoQ
|
-$627.6M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$515.5M
+5.0% YoY
+4.6% QoQ
|
-$649.1M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.76%
+92.3% YoY
+8.7% QoQ
|
-0.40% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.33%
+19.7% YoY
+1.6% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
73.24%
-13.6% YoY
-1.6% QoQ
|
+10.61% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
0.01%
-74.7% YoY
+21.5% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
67.49%
-2.0% YoY
-6.0% QoQ
|
-15.57% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
19.23%
-3.7% YoY
+1.2% QoQ
|
-1.82% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.01%
-81.3% YoY
+14.6% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.92%
+0.5% YoY
+28.5% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Thin
risk
#168 of 432 · Bottom 39% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.49% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.23% · Tier avg: 21.05%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
20
20th pctile
Efficiency Ratio
Current: 73.24% · Tier avg: 62.63%
15
15th pctile
Total Deposits
Current: $515.5M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $585.0M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $347.9M · Tier avg: $975.5M
Top Weaknesses
8
8th pctile
Total Loans
Current: $347.9M · Tier avg: $975.5M
12
12th pctile
Total Assets
Current: $585.0M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $515.5M · Tier avg: $1.2B
20
20th pctile
Efficiency Ratio
Current: 73.24% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.23% · Tier avg: 21.05%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.49% · Tier avg: 83.06%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%