Wnb Financial N.a. Mortgage Rates, Fees & Info
Winona, MNLEI: 25490099UNYWX2PZ4J91
Tax ID: 41-0616710
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Bank Data
Review & Overview
Wnb Financial N.a. is a smaller mortgage company specializing in various types of mortgages.We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.64% | 4/18/24 |
| 30 Year Conventional Refi | 6.79% | 4/18/24 |
| 30 Year Cash-out Refi | 6.76% | 4/18/24 |
| 15 Year Conventional Purchase | 5.75% | 4/18/24 |
| 15 Year Conventional Refi | 5.76% | 4/18/24 |
| 15 Year Cash-out Refi | 5.76% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Wnb Financial N.a. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
0Origination Dollar Volume (All Markets)
$0Employee count
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| WNB FINANCIAL, N.A. | 1491 West Broadway Winona, MN 55987 | Full Service B&M | $69,776 |
| WNB FINANCIAL, N.A. | 204 Main Street Winona, MN 55987 | Full Service B&M | $159,241 |
| WNB FINANCIAL, N.A. | 840 Mankato Avenue Winona, MN 55987 | Full Service B&M | $20,710 |
For 2018, Wnb Financial N.a. had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $11,683 |
| Net interest income | $10,608 |
| Total noninterest income | $4,017 |
| Gross Fiduciary activities income | $1,446 |
| Service charges on deposit accounts | $471 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $2,100 |
| Pre-tax net operating income | $3,120 |
| Securities gains (or losses, -) | $1,290 |
| Income before extraordinary items | $4,410 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $4,410 |
| Minority interest net income | $0 |
| Net income | $4,410 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $3,120 |
Wnb Financial N.a.'s gross interest income from loans was $11,683,000.
Wnb Financial N.a.'s net interest income from loans was $10,608,000.
Wnb Financial N.a.'s fee based income from loans was $471,000.
Wnb Financial N.a.'s net income from loans was $4,410,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,075 |
| Provision for credit losses | $560 |
| Total noninterest expense | $10,945 |
| Salaries and employee benefits | $5,668 |
| Premises and equipment expense | $925 |
| Additional noninterest expense | $4,352 |
| Applicable income taxes | $0 |
| Net charge-offs | $228 |
| Cash dividends | $1,326 |
Wnb Financial N.a.'s interest expense for loans was $1,075,000.
Wnb Financial N.a.'s payroll and benefits expense were $5,668,000.
Wnb Financial N.a.'s property, plant and equipment expenses $925,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $262,322 |
| Deposits held in domestic offices | $262,322 |
| Deposits by Individuals, partnerships, and corporations | $251,012 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $10,575 |
| Deposits by Commercial banks and other depository institutions in U.S. | $735 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $39,898 |
| Demand deposits | $15,062 |
| Nontransaction accounts | $222,424 |
| Money market deposit accounts (MMDAs) | $83,541 |
| Other savings deposits (excluding MMDAs) | $89,806 |
| Total time deposits | $49,076 |
| Total time and savings deposits | $247,260 |
| Noninterest-bearing deposits | $55,295 |
| Interest-bearing deposits | $207,028 |
| Retail deposits | $238,774 |
| IRAs and Keogh plan accounts | $6,196 |
| Brokered deposits | $18,174 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $298,313 |
| Cash & Balances due from depository institutions | $16,992 |
| Interest-bearing balances | $13,419 |
| Total securities | $66,306 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $203,944 |
| Loan and leases loss allowance | $2,590 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,366 |
| Other real estate owned | $115 |
| Goodwill and other intangibles | $1,410 |
| All other assets | $5,180 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $298,313 |
| Total Liabilities | $266,768 |
| Total deposits | $262,322 |
| Interest-bearing deposits | $207,028 |
| Deposits held in domestic offices | $262,322 |
| % insured (estimated) | $88 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $2,000 |
| Subordinated debt | $0 |
| All other liabilities | $2,446 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $203,944 |
| Loan and leases loss allowance | $2,590 |
| Total loans and leases (domestic) | $206,534 |
| All real estate loans | $174,036 |
| Real estate loans in domestic offices | $174,036 |
| Construction and development loans | $8,291 |
| Residential 1-4 family construction | $1,162 |
| Other construction, all land development and other land | $7,129 |
| Loans secured by nonfarm nonresidential properties | $87,117 |
| Nonfarm nonresidential secured by owner-occupied properties | $27,249 |
| Commercial real estate & other non-farm, non-residential | $59,868 |
| Multifamily residential real estate | $15,312 |
| 1-4 family residential loans | $62,056 |
| Farmland loans | $1,260 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $26,289 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $4,057 |
| Credit card loans | $0 |
| Related Plans | $280 |
| Consumer Auto Loans | $720 |
| Other loans to individuals | $3,057 |
| All other loans & leases | $2,550 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $61 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,366 |
| Non 1-4 family restructured loans & leases | $1,366 |
| Total loans and leases (foreign) | $0 |
WNB Financial N.A. had $203,944,000 of loans outstanding in 2018. $174,036,000 of loans were in real estate loans. $8,291,000 of loans were in development loans. $15,312,000 of loans were in multifamily mortgage loans. $62,056,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $720,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 104 | $26,713 | $256,856 |
| Nonfarm, nonresidential loans - <$100k | 18 | $857 | $47,611 |
| Nonfarm, nonresidential loans - $100-250k | 33 | $4,369 | $132,394 |
| Nonfarm, nonresidential loans - $250k-1MM | 53 | $21,487 | $405,415 |
| Commercial & Industrial, US addressed loans - <$1MM | 164 | $16,910 | $103,110 |
| Commercial & Industrial, US addressed loans - <$100k | 86 | $2,485 | $28,895 |
| Commercial & Industrial, US addressed loans - $100-250k | 49 | $6,062 | $123,714 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 29 | $8,363 | $288,379 |
| Farmland loans - <$1MM | 7 | $1,259 | $179,857 |
| Farmland loans - <$100k | 4 | $214 | $53,500 |
| Farmland loans - $100-250k | 1 | $175 | $175,000 |
| Farmland loans - $250k-1MM | 2 | $870 | $435,000 |