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Bank Of Winona

Winona, MS · Est. 1885 · Website ↗
A
Trust Grade
Excellent
Score: 94/100

Bank Of Winona is a bank based in Winona, Mississippi, established in 1885, with $143 million in total assets across 1 branch. By Trust Grade it ranks 37th of 57 banks we track in Mississippi. Its capital ratio of 11.4% is stronger than 67% of similarly sized banks, versus a Mississippi median of 10.9%. It was profitable over the most recent period, with a 0.85% return on assets. Consumers filed 5 complaints about Winona Holdings, Inc. with the CFPB — 35.1 per $1B in assets, a higher rate than 88% of peers.

Total assets
$142.6M
$100M–1B institution
Deposits
$120.2M
Branches
1
Capital ratio
11.4%
Top 33% of $100M–1B peers · Mississippi median 10.9%
Return on assets
0.8%
Bottom 29% of $100M–1B peers · Mississippi median 1.07%
Rank in Mississippi
#37
of 57 banks

How Bank Of Winona compares to Mississippi peers

Capital ratio
Top 33% of $100M–1B peers
Bank Of
11.4%
Mississippi median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 29% of $100M–1B peers
Bank Of
0.8%
Mississippi median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Bank Of Winona

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
97/100
Customer experience
45.5/100
Overall
A · 94
  • Strongly capitalized (11.4% capital ratio)
  • Profitable (ROA 0.85%)
  • 35.1 complaints per $1B in assets

Consumer complaints (CFPB)

5 complaints filed with the CFPB against Winona Holdings, Inc. — 35.1 per $1B in assets.

Total complaints
5
Per $1B assets
35.1
Lower = better

Branch locations (1)

  • 312 N Applegate St, Winona, MS 38967

Are deposits at Bank Of Winona insured?

Yes. Bank Of Winona is an FDIC-insured bank (FDIC certificate #12207). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Bank Of Winona: frequently asked questions

Is Bank Of Winona a good bank?

Bank Of Winona earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 97/100 and a customer-experience score of 45.5/100. Strongly capitalized (11.4% capital ratio); Profitable (ROA 0.85%).

Is Bank Of Winona FDIC-insured?

Yes. Bank Of Winona is a FDIC-insured bank (FDIC certificate #12207). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Bank Of Winona?

Bank Of Winona holds $143 million in total assets, ranking 37th of 57 banks we track in Mississippi. It operates 1 branch.

How many complaints does Bank Of Winona have?

Consumers filed 5 complaints about Winona Holdings, Inc. with the CFPB, or 35.1 per $1B in assets.

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The Jefferson Bank
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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