Bank of Winona (FDIC certificate #12207) is based in Winona, Mississippi. Its Q2 2026 call report shows $142.7M in total assets and $119.6M in deposits and 1 office.
Based on its Q2 2026 filing, Bank of Winona scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 18th. Its strongest component is funding & liquidity (93/100; 39% loans-to-deposits, 21% uninsured), and its lowest is loan quality (57/100; 1.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (69 → 75), mostly because the earnings component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 73 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 69 |
| Q3 2025 | 74 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.39% |
| Q3 2024 | 13.17% |
| Q4 2024 | 13.02% |
| Q1 2025 | 13.10% |
| Q2 2025 | 13.26% |
| Q3 2025 | 13.48% |
| Q4 2025 | 13.04% |
| Q1 2026 | 12.87% |
| Q2 2026 | 13.12% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 1.40% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.68% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.23% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.40% |
| Q1 2026 | 0.85% |
| Q2 2026 | 1.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $142.7M | 13.12% | 1.30% | 1.19% | 38.9% |
| Q1 2026 | 71 | $142.6M | 12.87% | 1.45% | 0.85% | 38.6% |
| Q4 2025 | 69 | $139.0M | 13.04% | 1.25% | 0.40% | 40.1% |
| Q3 2025 | 74 | $138.8M | 13.48% | 1.23% | 0.75% | 39.9% |
| Q2 2025 | 69 | $139.6M | 13.26% | 1.53% | 0.65% | 39.2% |
| Q1 2025 | 68 | $141.6M | 13.10% | 1.68% | 0.67% | 38.8% |
| Q4 2024 | 67 | $142.1M | 13.02% | 1.68% | 0.65% | 38.8% |
| Q3 2024 | 73 | $139.8M | 13.17% | 1.40% | 0.97% | 39.9% |
| Q2 2024 | 79 | $147.5M | 12.39% | 0.47% | 1.14% | 37.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Commerce BankBank Corinth, MS | 74 out of 100, Strong | $167.9M | 12.5% | 1.72% | vs |
| Covington County BankBank Collins, MS | 77 out of 100, Strong | $109.2M | 13.8% | 0.99% | vs |
| Bank of AnguillaBank Anguilla, MS | 65 out of 100, Moderate | $192.2M | 14.7% | 2.66% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Bank of WigginsBank Wiggins, MS | 65 out of 100, Moderate | $228.1M | 12.9% | 1.75% | vs |
Deposit insurance
Is my money safe at Bank of Winona?
Yes. Bank of Winona is an FDIC-insured institution (FDIC certificate #12207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.3% of deposits ($25.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.12%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 35.45% (benchmark: 10%).
1 location
Branches
Bank of Winona lists 1 office in 1 city. Most locations:
- Winona, MS (1)
Identity & history
Profile
- Legal name
- Bank of Winona
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 12207
- RSSD ID
- 800442
- Primary regulator
- FED
- Holding company
- Bancorp of Winona Inc
- Established
- June 15, 1885
- Headquarters
- 312 N Applegate St, Winona, MS 38967
- Website
- www.bankofwinona.com
- Employees
- 14
Quick answers
Bank of Winona: common questions
Is Bank of Winona FDIC insured?
Yes. Bank of Winona is an FDIC-insured institution (FDIC certificate #12207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Winona's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Winona ever failed?
There is no failure record for FDIC certificate #12207 in the FDIC failed bank list.
How many branches does Bank of Winona have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Winona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mutual Federal Credit UnionCredit union Vicksburg, MS | 84 out of 100, Strong | $528.5M | 14.0% | 1.08% | vs |
| The Cleveland State BankBank Cleveland, MS | 76 out of 100, Strong | $340.2M | 11.2% | 0.26% | vs |
| Bank of CommerceBank Greenwood, MS | 72 out of 100, Strong | $1.1B | 12.9% | 0.88% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| Regions BankBank Birmingham, AL | 64 out of 100, Moderate | $159.8B | 9.5% | 0.93% | vs |