Wnb Financial N A (FDIC #5280): Bank Stress & Real-Estate Credit Exposure

Wnb Financial N A (FDIC Cert #5280): bank stress 69/100, elevated, STABLE over 7 days; parent WNB HOLDING CO.

Wnb Financial N A (#5280) lends in 4 counties across 2 states; Wnb Financial N A (#5280) reaches 55 ZIP codes: Wisconsin 2 counties, 30 ZIPs; Minnesota 2 counties, 25 ZIPs.

Wnb Financial N A (#5280) largest markets: Eau Claire County, WI (15 branches, 15 ZIPs) (#5280), La Crosse County, WI (15 branches, 15 ZIPs) (#5280), Winona County, MN (42 branches, 14 ZIPs) (#5280), Wabasha County, MN (26 branches, 13 ZIPs) (#5280).

Wnb Financial N A (#5280) reports $583.7 million in total assets; Wnb Financial N A (#5280) equity $60.3 million (10.3% of Wnb Financial N A (#5280) assets); Wnb Financial N A (#5280) domestic deposits $512.9 million; Wnb Financial N A (#5280) net income $2.9 million; Wnb Financial N A (#5280) return on assets 1.00%; Wnb Financial N A (#5280) return on equity 9.74%; Wnb Financial N A (#5280) net interest income $9.2 million; Wnb Financial N A (#5280) call report June 30, 2026.

Wnb Financial N A (#5280) noncurrent real-estate loans: none reported; Wnb Financial N A (#5280) net charge-offs on real estate 0.09%; Wnb Financial N A (#5280) residential charge-offs 0.12%.

Wnb Financial N A (#5280) net interest margin 3.45% against an eight-quarter Wnb Financial N A (#5280) average of 3.14% (Wnb Financial N A (#5280) compression -0.31 points); Wnb Financial N A (#5280) non-residential real estate 11.9% of equity; Wnb Financial N A (#5280) rate-exposure score 40/100, Wnb Financial N A (#5280) fixed-rate trap 40/100; Wnb Financial N A (#5280) risk type credit driven; Wnb Financial N A (#5280) rate regime rates elevated, Wnb Financial N A (#5280) snapshot October 20, 2026.

Wnb Financial N A (#5280) stress score moved from 71.5 on June 22, 2026 to 69.5 on October 20, 2026; Wnb Financial N A (#5280) ranged 69.5 to 71.5 over 117 snapshots.

Wnb Financial N A (#5280) alerts: 4 counties; top Wnb Financial N A (#5280) alert scores: Wabasha County, MN 46 (moderate); Winona County, MN 45 (moderate); Altoona County, MN 24 (low); Holmen County, MN 24 (low).