# BANK OF WINONA
WINONA, MS · FDIC certificate 12207 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $142.7M | |
| Deposits | $119.6M | |
| Loans and leases | $47.5M | |
| Total equity | $16.9M | |
| Loans / deposits | 38.92% (p11 of band) | 73.59% |
| Liquid assets / assets | 61.63% (p89 of band) | |
| Uninsured deposits / deposits | 21.32% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.12% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -15.21% (p30 of band) | -6.57% |
| AOCI / equity | -3.66% (p4 of band) | |
| ROA (annualized) | 1.19% (p51 of band) | 1.17% |
| Net interest margin | 3.34% (p23 of band) | 3.93% |
| Efficiency ratio | 64.59% (p47 of band) | |
| Noncurrent loans | 1.30% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | 147.01% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 0.12% (p18 of band) | |
| Auto loans | $2.9M (6.17% of loans; DQ 5.23%, NCO 0.01%) | |
| Loans to nondepository financials | $1.8M (11% of equity) (p99 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | AOCI drag >20% of equity, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2014-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 1 | capital falling | reserve under noncurrent |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | capital falling, reserve under noncurrent |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | capital falling, noncurrent p90 |  |
| 2019-06 | 2 |  | noncurrent p90 |
| 2019-09 | 2 | noncurrent p90 | capital falling |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2020-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | capital falling | reserve under noncurrent |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2024-12 | 3 | reserve under noncurrent, assets shrinking | uninsured deposits leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2025-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-26 [These 10 banks are the oldest in Mississippi. See where and how old - The Clarion-Ledger](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRnFiRjl6dlFjVG1lZVFfM29TMVpKaU9KV0xwY21Cb0RDZUJJVmNNR1AzVXgwLUgtZ3NkU3QwUlI2R0o0RFhQejUxUnRGUl9kOWlXZzZlN3VrbTN2WHk2X3I1V3FxdEFzcl9sYUxyRm4tb2lvUUcxck5lM0pzQzhvT1FGUEY4WERGWDNyVnpoUHBRbVpzTDB3MXlqOXpfVVhN?oc=5) · The Clarion-Ledger
- 2015-08-24 [Pieces of the past: 50 photos of Winona businesses, dating back to the 1860s - Winona Daily News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOTzdCc2xGYlBScU8wTVI2c0ozZ3RHX010bUVzMmo2ZEhmRm1RajNOWlJZMFM3d3U2SmpuVzZZaFlYSDFBMkN3c3RybmhPVk1SSTZwMDZSWDNTSGtuMmllb1VCTmhmdFBjSXhlTFVZeHVwT0FRblJQZmlpZ2pmWWwtMFJCZ1lZbVd4OElyYWJPaGJ0SU9hSXp4X1gtTGFsdzEwdDFDRDlHS29Nd2tWRkdweVJLNFRCQQ?oc=5) · Winona Daily News
- 2023-04-13 [Congressman announces UMB earns almost $5 million in federal funds to help community post-pandemic - The Natchez Democrat](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkVvcmtiSHFmY2dpdDBPTGFfSEFnMXNleTJ2eF9od0tzSC05V281WGRGMmNndEVrQl92eHhBUGRhQ2h5b1RNdWdFcVpZMXNKcmxsYTRZYmlRcU5FNlZsbFFSSktpQ3lRNXFEbmliRlRXYUQzalE3Zi1TQ0lMbUlJNTNhdlU3ZVlMSkx0d2FBQk1IS2h3OGUtV21KOUtmQ3ZzS21DWkhwQ2RwSmdCUVBydjQyOUM1OFFnRmVxY2JjU0VURXdUSVdSM0JLUFUwNEp3azFUdld3Y0w?oc=5) · The Natchez Democrat
- 2017-05-26 [Dolores Cieminski Obituary May 26, 2017 - Watkowski-Mulyck Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE9nTjVCWWFsdmNiUVpWSVVWajZIQTVUS2hFWkcxaUlmSTdFbDU4SGhsS3JNeERiVFkyOU52MllIOFp1dVpWUFc2cVRIYy1VdWVaZWp4bzA5eHpDcnNPVEFfb0dicTZ6RllEbXJteDhR?oc=5) · Watkowski-Mulyck Funeral Home
- 2020-05-18 [Paul Bringgold Obituary May 18, 2020 - Lundberg Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vREppQ0Y1WHdRZ0ZLVi1tbWtaTFR3V2FQLUVsMllQcjVpdWtLUjZrcEdqb19zT3pYTElmM2R3Si1VaUV4b0pXU2ZqZk4tb0dHb1lMbFZoRHVoaTZNOXFEV2ZJQkcxYlJx?oc=5) · Lundberg Funeral Home
- 2019-08-29 [God’s House of Hope finds home in Kilmichael - The Winona Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNWUlTT2ZIbTNhNWFqMVhGaUVLQ3pMVTBMS0tqYXk3MlZhVE01TkJuTmp3d2EwZEpMUWVEV2p1Y20xbTVuSmNTemg1eXE5amlFQ2QwM3BlLURtNVJuX1lJQUhWeXVMNlNkQXpiU1VYVGdGZzRBNXF4RGtIUWJIVzVhXzVGeXB1TGtRU1p6ZFdIV3poaWpidUJ6cGhVNVBFR3pLZ192ZEpYeFAydw?oc=5) · The Winona Times
- 2022-08-20 [Judson Cravens Obituary (2022) - Grenada, MS - McKibben & Guinn Funeral Service - Grenada - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZGVqeEF2eXpIWjFtNmZ0UGZqQ2hFdUNEbnRNSWVtQW5ycnhnTURBdHdiTFl5cEp3ODJFeWNmWnh3TGxDV3BQVUdpS0RVY2NNVHBNRkY4cGRsamhacDB0TDVlQ1VxbTdRdWxKLUlnWEJFa3A4NWdzM2J5Y0w4Y1hJQkd4QQ?oc=5) · Legacy obituary
- 2026-03-02 [Places of the past: 57 historical photos showcasing Winona history - Winona Daily News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNZzVoTlRZdHlfVDc1SlczQXp0SGpmVkVRU2s0VkNvbkl5R0hRcTJ2LThQOE5rbEZyNjFhM1BFWTl1OGRINGt0RHVZUERhRWRSOFdJak5NdUhRelhLeF81cWxJdE9BSXRmVWtabnpNc0RZdU1Oa2VoY3p0Vk1LUFY0Q1p2djU2M1FHaGVSRnRJRkoyWjZGRXc?oc=5) · Winona Daily News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12207 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "12207", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide