Winnsboro, LA · Cert 10533 · Winnsboro Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
23
Profitability
63
Liquidity
45
Efficiency
54
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.
Winnsboro, LA · Cert 10533 · Winnsboro Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Monroe, LA · 2026 SOD (annual) · 1.7% share · #16 of 20 inst. · $0.1B of $6.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.10% | 1.11% | 1.11% | 1.11% | 1.06% | 1.09% | 1.17% | +6 bps | |
| Return on Equity | 10.31% | 10.10% | 9.85% | 10.00% | 9.99% | 9.62% | 10.18% | 10.92% | +92 bps | |
| Net Interest Margin | 3.82% | 3.87% | 4.10% | 3.86% | 3.85% | 4.01% | 4.42% | 4.33% | +47 bps | |
| Efficiency Ratio | 65.07% | 64.26% | 66.61% | 65.96% | 65.49% | 65.22% | 64.00% | 62.54% | -342 bps | |
| Non-Interest Burden | 2.36% | 2.32% | 2.59% | 2.42% | 2.40% | 2.48% | 2.71% | 2.58% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.22% | -1.96% | 3.89% | 8.71% | 10.17% | 17.84% | 13.65% | 10.41% | +169 bps | |
| Loan Growth (YoY) | 3.44% | 3.44% | 9.40% | 7.36% | 12.43% | 20.21% | 17.55% | 21.49% | +1,413 bps | |
| Deposit Growth (YoY) | -1.68% | 1.19% | 11.09% | 17.37% | 17.90% | 20.05% | 14.46% | 10.66% | -671 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.82% | 1.81% | 1.76% | 1.10% | 1.04% | 1.33% | 1.29% | 0.94% | -17 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.15% | -0.01% | 0.26% | 0.22% | 0.18% | 0.27% | 0.17% | -9 bps | |
| Allowance / Loans | 1.02% | 1.02% | 0.99% | 0.86% | 0.85% | 0.95% | 0.95% | 0.97% | +10 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.8x | 0.8x | 0.7x | 0.7x | 1.0x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.66% | 11.76% | 12.18% | 11.40% | 11.23% | 11.23% | 11.06% | 10.85% | -54 bps | |
| Total Risk-Based Capital | 16.50% | 16.33% | 16.19% | 16.22% | 15.65% | 15.05% | 11.06% | 10.85% | -536 bps | |
| Equity / Assets | 11.51% | 11.30% | 11.16% | 10.76% | 11.28% | 10.83% | 10.60% | 10.59% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.05% | 90.55% | 85.30% | 82.21% | 88.74% | 90.67% | 87.61% | 90.26% | +805 bps | |
| Liquid Assets / Assets | 5.61% | 4.55% | 8.57% | 11.08% | 5.53% | 5.66% | 6.87% | 5.57% | -551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 174.23% | 196.42% | 190.30% | n/a | n/a | |
Winnsboro, LA · Cert 10533 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Winnsboro Bancshares Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Return on Assets
1.13%
Rank 332 of 746
Net Interest Margin
4.33%
Rank 136 of 746
Efficiency Ratio
63.13%
Rank 342 of 746
Equity / Assets
10.59%
Rank 357 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 55% | 332 / 746 | ||
| Return on Equity | 10.64% | 6.74% | 10.51% | 13.63% | Beats 51% | 364 / 746 | ||
| Net Interest Margin | 4.33% | 3.17% | 3.68% | 4.16% | Beats 82% | 136 / 746 | ||
| Efficiency Ratio | 63.13% | 55.74% | 64.58% | 75.47% | Beats 54% | 342 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.07% | Beats 29% | 530 / 743 | ||
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 16% | 627 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.85% | 11.55% | 13.75% | 17.60% | Beats 18% | 613 / 746 | ||
| Total Risk-Based Capital Ratio | 10.85% | 11.71% | 14.33% | 18.43% | Beats 16% | 623 / 746 | ||
| Equity / Assets | 10.59% | 8.90% | 10.51% | 13.06% | Beats 52% | 357 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.26% | 61.31% | 78.27% | 90.78% | 74th pctl | 194 / 746 | ||
| Loans / Assets | 79.47% | 53.60% | 66.97% | 76.08% | 84th pctl | 117 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||