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WNB Financial Rates & Review May 2026

Q: How many branches does WNB Financial operate?

WNB Financial currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, WNB Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WNB Financial provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 28, 2026

You can compare WNB Financial rates to other rates in our database, including 12-month CD rates currently at 0.35%, 6-month CD rates at 3.56% and 3-month CD rates at 3.14%. Savings rates are at 0.05% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.22%. All these rates can be compared to WNB Financial rates. MonitorBankRates evaluates the financial stability of WNB Financial with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.52%. Rates were last updated on 05/28/2026.

WNB Financial money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at WNB Financial? Share your experience about WNB Financial by leaving a review below, or read customer reviews before you decide to use WNB Financial.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.52%

Excellent Higher than avg

WNB FINANCIAL, N.A.

204 Main St
Winona, MN 55987

http://www.wnbfinancial.com

Current Rate Availability

We do not have WNB Financial rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for WNB Financial is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather WNB Financial rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with WNB Financial's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name WNB Financial

Bank Holding Company WNB HOLDING CO

Address 204 Main St, Winona, MN 55987 · Winona

Website https://www.wnbfinancial.com

FDIC Certificate # 5280

Established 01/01/1874

FDIC Insurance Date 01/01/1934

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6177%

Return on Equity (ROE) 7.2500%

Non-Performing Loans (NPL) 0.94%

Total Assets $584,998,000

Total Deposits $515,491,000

Equity Capital $58,719,000

Net Income $4,291,000

Headquarters Winona

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About WNB Financial

How many branches does WNB Financial operate?

WNB Financial currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, WNB Financial does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, WNB Financial provides members with tools to manage their accounts and build a solid financial history.

Does WNB Financial offer online and mobile banking?

Most modern institutions like WNB Financial provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.wnbfinancial.com.