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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

$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