At a glance
From its website, read 2 Nov 2026Bank of Winona is a bank or thrift based in Winona, Mississippi. Its website describes farm loans, auto loans, equipment loans and 4 other loan types. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (662) 283-3231 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.bankofwinona.com |
| Office (official list) | 312 N. Applegate, Winona, MS 38967 |
What their website says about applying
Visit us or call (662) 283-3231 to discuss your lending needs. Our team can explain your options and the next steps in the application process.
sourcePlease fill out our user-friendly online application form available on our Application Portal.
sourcePrepare the necessary documentation for a smoother application process. This includes your business license, financial statements, and other documents supporting your application.
sourceYour recent pay slips, usually for the last 30 days.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
We assess various factors when reviewing your application, not just your credit score. If you have a lower credit score, we encourage you to discuss your options with our advisors
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 800442 |
| Address | 312 N. Applegate, Winona, MS 38967 Directions (Google Maps) |
| Website | www.bankofwinona.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No loan amounts or interest rates are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Yes. We offer commercial and agricultural loans. | source |
| Auto / vehicle loans | — | Bank of Winona offers real estate, mortgage, commercial, agricultural, consumer, car, andpersonal loans. | source |
| Equipment loans | — | Our equipment financing options help you acquire the necessary machinery and technology | source |
| Home mortgages | — | We have lots of mortgage options, whether you’re buying your first home or refinancing. | source |
| Personal / consumer loans | — | Bank of Winona offers real estate, mortgage, commercial, agricultural, consumer, car, andpersonal loans. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Leverage the advantages of Small Business Administration loans, with favorable terms and lower down payments | source |
| Small-business loans | — | Tailored solutions for startups, equipment financing, and working capital loans. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Startups
Absolutely. Recognizing new ventures’ distinct challenges, we offer specialized loan programs alongside our standard commercial loans tailored for start-ups.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Please fill out our user-friendly online application form available on our Application Portal.
source
Pages read (7)
- https://www.bankofwinona.com/
- https://www.bankofwinona.com/why-choose-bank-of-winona-for-your-small-personal-loan/
- https://www.bankofwinona.com/home-loans-in-winona-ms/
- https://www.bankofwinona.com/home-equity-loans-winona-ms/
- https://www.bankofwinona.com/business-bank-loans-winona-ms/
- https://www.bankofwinona.com/scoring-big-with-your-finances-small-town-lessons-from-football-strategy/
- https://www.bankofwinona.com/loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.2 million in 10 awards from the U.S. Treasury's CDFI Fund, 2016–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $51,537 |
| 2016 | Bank Enterprise Award Program | $227,282 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Bank of Winona (FDIC cert 12207). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $142.7 million (as of 30 Jun 2026) |
|---|---|
| Offices | 1 (as of 30 Oct 2026) |
Offices by state and county (1)
Mississippi (1 office)
- Montgomery County (1): 312 N Applegate St, Winona 38967 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Bank of Winona (RSSD 800442, FDIC cert 12207). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $47.5 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 0.8% from $47.1 million on 30 Jun 2025 |
| Total assets | $142.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $28.2 million | 59.4% |
| Commercial real estate, construction and multifamily | $9.4 million | 19.9% |
| Commercial and industrial (business) loans | $2.5 million | 5.3% |
| Farmland and farm production loans | $1.8 million | 3.8% |
| Consumer loans (credit cards, auto, other) | $3.7 million | 7.7% |
| All other loans and leases | $1.8 million | 3.8% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $2.9 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 29 loans $1.2 million | 39 loans $1.1 million |
| $100,001 to $250,000 | 15 loans $1.8 million | 6 loans $636,000 |
| $250,001 to $1 million | 12 loans $3.1 million | 3 loans $712,000 |
| All small business loans | 56 loans $6.1 million | 48 loans $2.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
The filing says all or substantially all of these loans had original amounts of $100,000 or less, so the form asks only for a count: 6 loans secured by farmland and 41 farm production loans on the 30 Jun 2026 report. Balances are not broken out on that version of the form.
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $142.7 million | Larger than 9% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 33% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $47.1 million → $47.5 million (+1%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 81 → 81. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 9% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 81 → 81 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Winona and Mississippi
- Bancorp of Winona, Inc.Bank holding company · Winona, MSOfficial list only
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
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