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Winnsboro State Bank & Trust Company

Winnsboro, LA · Cert 10533 · Winnsboro Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=748 to 752). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

54

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Winnsboro State Bank & Trust Company

Winnsboro, LA · Cert 10533 · Winnsboro Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$425.7MAssets
$338.3MLoans
$374.8MDeposits
$45.1MEquity
Loan mix
88%RE $257.2M9%C&I $26.1M3%Consumer $10.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $316.2M16%Noninterest $58.6MQ2 2025Q2 2026

NIM

5.96%Q2 ’246.05%Q2 ’256.40%Q2 ’26+3%+12%

Non-interest income vs. expense

2.71%Q2 ’242.85%Q2 ’252.98%Q2 ’26+6%+6%

Market Position · Monroe, LA · 2026 SOD (annual) · 1.7% share · #16 of 20 inst. · $0.1B of $6.2B

43.6% Franklin
11.0% Richland
0.4% Lincoln

Executive Summary

  • Earnings: ROA of 1.17%, up 6 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.94% of loans (-17 bps YoY), with net charge-offs at 0.17%.
  • Capital: tier 1 leverage ratio of 10.85%, down 54 bps from a year ago.
  • Funding: loans stand at 90.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.33%+47 bps YoY

Efficiency Ratio (YTD, annualized)

62.54%-342 bps YoY

Tier 1 Leverage Ratio

10.85%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.11%1.06%1.09%1.17%+6 bps
Return on Equity10.00%9.99%9.62%10.18%10.92%+92 bps
Net Interest Margin3.86%3.85%4.01%4.42%4.33%+47 bps
Efficiency Ratio65.96%65.49%65.22%64.00%62.54%-342 bps
Non-Interest Burden2.42%2.40%2.48%2.71%2.58%+16 bps
Growth
Asset Growth (YoY)8.71%10.17%17.84%13.65%10.41%+169 bps
Loan Growth (YoY)7.36%12.43%20.21%17.55%21.49%+1,413 bps
Deposit Growth (YoY)17.37%17.90%20.05%14.46%10.66%-671 bps
Asset Quality
Nonperforming Loans / Loans1.10%1.04%1.33%1.29%0.94%-17 bps
Net Charge-Offs / Loans0.26%0.22%0.18%0.27%0.17%-9 bps
Allowance / Loans0.86%0.85%0.95%0.95%0.97%+10 bps
Allowance Coverage of NPLs0.8x0.8x0.7x0.7x1.0x+0.2x
Capital
Tier 1 Leverage Ratio11.40%11.23%11.23%11.06%10.85%-54 bps
Total Risk-Based Capital16.22%15.65%15.05%11.06%10.85%-536 bps
Equity / Assets10.76%11.28%10.83%10.60%10.59%-17 bps
Liquidity & Funding
Loans / Deposits82.21%88.74%90.67%87.61%90.26%+805 bps
Liquid Assets / Assets11.08%5.53%5.66%6.87%5.57%-551 bps
CRE / Total Capitaln/a174.23%196.42%190.30%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Winnsboro State Bank & Trust Company

Winnsboro, LA · Cert 10533 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Winnsboro Bancshares Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$425.7MAssets
$338.3MLoans
$374.8MDeposits
$45.1MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks under $1B in assets operating in a single state (rank 144 of 752).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets operating in a single state (rank 630 of 752).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.13%

Rank 339 of 752

Net Interest Margin

4.33%

Rank 144 of 752

Efficiency Ratio

63.13%

Rank 348 of 752

Equity / Assets

10.59%

Rank 369 of 752

Non-interest income vs. expense

$1.7M$12.6MINCOMEEXPENSE
Unfavorable gap of $10.9M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state
Bank 63.13%Peer median 64.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.72%1.07%1.45%Beats 55%339 / 752
Return on Equity10.64%6.78%10.58%13.65%Beats 51%370 / 752
Net Interest Margin4.33%3.18%3.69%4.17%Beats 81%144 / 752
Efficiency Ratio63.13%55.75%64.49%75.47%Beats 54%348 / 752
Asset Quality
Nonperforming Loans / Loans0.94%0.09%0.42%1.03%Beats 28%537 / 748
Net Charge-Offs / Loans0.09%0.00%0.01%0.05%Beats 17%624 / 748
Capital
Tier 1 Capital Ratio10.85%11.55%13.75%17.60%Beats 18%619 / 752
Total Risk-Based Capital Ratio10.85%11.70%14.33%18.47%Beats 16%630 / 752
Equity / Assets10.59%8.93%10.56%13.13%Beats 51%369 / 752
Liquidity & Funding
Loans / Deposits90.26%62.23%78.64%91.26%73rd pctl203 / 752
Loans / Assets79.47%54.61%67.41%76.47%83rd pctl126 / 752
Brokered Deposits / Depositsn/aNot reported for this institution