Wnb Financial, N.A. is a national bank headquartered in Winona, Minnesota, in business for about 152 years. At the end of Q2 2026 it reported $583.7M in total assets and $512.9M in deposits, with 7 offices across 2 states.
Wnb Financial, N.A. has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 53rd. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (53/100, 10.31%).
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 3 points (73 → 76), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 71 |
| Q4 2024 | 70 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.89% |
| Q3 2024 | 10.27% |
| Q4 2024 | 9.90% |
| Q1 2025 | 10.50% |
| Q2 2025 | 10.08% |
| Q3 2025 | 10.48% |
| Q4 2025 | 10.13% |
| Q1 2026 | 10.54% |
| Q2 2026 | 10.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.05% |
| Q1 2025 | 0.09% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.32% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.76% |
| Q1 2026 | 0.81% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $583.7M | 10.31% | 0.08% | 1.00% | 67.8% |
| Q1 2026 | 75 | $570.0M | 10.54% | 0.08% | 0.81% | 68.2% |
| Q4 2025 | 74 | $585.0M | 10.13% | 0.01% | 0.76% | 67.5% |
| Q3 2025 | 74 | $561.1M | 10.48% | 0.01% | 0.70% | 71.8% |
| Q2 2025 | 73 | $556.8M | 10.08% | 0.00% | 0.59% | 70.7% |
| Q1 2025 | 72 | $547.8M | 10.50% | 0.09% | 0.51% | 69.5% |
| Q4 2024 | 70 | $564.6M | 9.90% | 0.05% | 0.40% | 68.9% |
| Q3 2024 | 71 | $555.9M | 10.27% | 0.04% | 0.32% | 71.4% |
| Q2 2024 | 69 | $544.3M | 9.89% | 0.04% | 0.30% | 73.0% |
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank MinnesotaBank New Ulm, MN | 70 out of 100, Strong | $596.0M | 9.3% | 0.02% | vs |
| North Shore Bank of CommerceBank Duluth, MN | 71 out of 100, Strong | $598.5M | 8.7% | 0.14% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Community Resource BankBank Northfield, MN | 67 out of 100, Moderate | $556.4M | 10.5% | 1.09% | vs |
| Luminate BankBank Minneapolis, MN | 47 out of 100, Below average | $554.5M | 10.4% | 2.33% | vs |
| Northern State Bank of Thief River FallsBank Thief River Falls, MN | 67 out of 100, Moderate | $550.0M | 9.9% | 0.57% | vs |
Deposit insurance
Is my money safe at Wnb Financial, N.A.?
Yes. Wnb Financial, N.A. is an FDIC-insured institution (FDIC certificate #5280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.3% of deposits ($63.3M) 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 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Wnb Financial, N.A. lists 6 offices in 4 cities across 2 states. Most locations:
- Winona, MN (3)
- Altoona, WI (1)
- Holmen, WI (1)
- Wabasha, MN (1)
HMDA 2025
Mortgage lending
In 2025, Wnb Financial, N.A. reported 218 home-loan applications under HMDA (LEI 25490099UNYWX2PZ4J91): 182 originated ($51,960,000 total), 13 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Wnb Financial, N.A.
- Former names
- Winona National and Savings Bank; Winona National Bank
- Type
- National bank
- FDIC certificate #
- 5280
- RSSD ID
- 220059
- Primary regulator
- OCC
- Holding company
- Wnb Holding Co
- Established
- January 1, 1874
- Headquarters
- 204 Main St, Winona, MN 55987
- Website
- www.wnbfinancial.com
- Employees
- 98
Quick answers
Wnb Financial, N.A.: common questions
Is Wnb Financial, N.A. FDIC insured?
Yes. Wnb Financial, N.A. is an FDIC-insured institution (FDIC certificate #5280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Wnb Financial, N.A.'s TellerScore?
76 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 Wnb Financial, N.A. ever failed?
There is no failure record for FDIC certificate #5280 in the FDIC failed bank list.
How many branches does Wnb Financial, N.A. have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Winona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bluff View BankBank Galesville, WI | 90 out of 100, Very strong | $152.8M | 14.9% | 0.00% | vs |
| The First National Bank of BangorBank Bangor, WI | 83 out of 100, Strong | $363.7M | 31.6% | 0.95% | vs |
| Bank of AlmaBank Alma, WI | 83 out of 100, Strong | $339.5M | 50.8% | 0.97% | vs |
| Arcadia Credit UnionCredit union Arcadia, WI | 79 out of 100, Strong | $144.2M | 12.9% | 0.46% | vs |
| Altra Federal Credit UnionCredit union Onalaska, WI | 78 out of 100, Strong | $3.1B | 12.7% | 0.46% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |