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
Unfavorable gap of $10.9M · efficiency ratio beats 54% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.72% | 1.07% | 1.45% | Beats 55% | 339 / 752 | |
| Return on Equity | 10.64% | 6.78% | 10.58% | 13.65% | Beats 51% | 370 / 752 | |
| Net Interest Margin | 4.33% | 3.18% | 3.69% | 4.17% | Beats 81% | 144 / 752 | |
| Efficiency Ratio | 63.13% | 55.75% | 64.49% | 75.47% | Beats 54% | 348 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.09% | 0.42% | 1.03% | Beats 28% | 537 / 748 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 624 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 10.85% | 11.55% | 13.75% | 17.60% | Beats 18% | 619 / 752 | |
| Total Risk-Based Capital Ratio | 10.85% | 11.70% | 14.33% | 18.47% | Beats 16% | 630 / 752 | |
| Equity / Assets | 10.59% | 8.93% | 10.56% | 13.13% | Beats 51% | 369 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 90.26% | 62.23% | 78.64% | 91.26% | 73rd pctl | 203 / 752 | |
| Loans / Assets | 79.47% | 54.61% | 67.41% | 76.47% | 83rd pctl | 126 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |