Winnsboro State Bank & Trust Company
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
$425.7MAssets
$338.3MLoans
$374.8MDeposits
$45.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 82% of banks under $1B in assets operating in a single state (rank 136 of 746).
- Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets operating in a single state (rank 623 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
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 | 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 |