Bank of Winona: how it compares with its peers
Against 13 MS banks with half to twice its assets, Bank of Winona's strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $5.3M peer median). Its weakest relative measure is net interest margin (3.34% vs. 4.29%).
| Measure | Bank of Winona | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.15% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 4.29% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.59% | 65.47% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $5.3M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 38.92% | 77.58% | Context |
What it means for lending operations
Its efficiency ratio of 64.59% is better than the 65.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Commerce Bank Corinth, MS · $168M
- Covington County Bank Collins, MS · $109M
- Citizens Bank & Trust Co. Marks, MS · $99M
- Genesis Bank Benoit, MS · $97M
- Bank of Anguilla Anguilla, MS · $192M
- Merchants and Planters Bank Raymond, MS · $199M
Questions about Bank of Winona
How big is Bank of Winona?
Bank of Winona, established in 1885, is headquartered in Winona, MS. It reported $143M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of Winona's return on assets?
1.19% annualized in Q2 2026, against a 1.15% median for 13 MS banks with half to twice its assets, ahead of 54% of them.
What is Bank of Winona's efficiency ratio?
64.59% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 65.47%, and lower is better.
Is Bank of Winona growing its loans?
Net loans grew 0.5% over the year to Q2 2026, while deposits grew 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.