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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

6.19%Q2 ’246.27%Q2 ’256.57%Q2 ’26+3%+12%

Non-interest income vs. expense

2.72%Q2 ’242.89%Q2 ’253.00%Q2 ’26+8%+4%

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 1.24%, up 13 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.94% of loans (-17 bps YoY), with net charge-offs at 0.09%.
  • 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 (quarter, annualized)

1.24%+13 bps YoY

Net Interest Margin (quarter, annualized)

4.44%+48 bps YoY

Efficiency Ratio (quarter, annualized)

61.15%-418 bps YoY

Tier 1 Leverage Ratio

10.85%-54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%1.10%0.92%1.09%1.24%+13 bps
Return on Equity10.10%9.99%8.33%10.18%11.68%+158 bps
Net Interest Margin3.96%4.12%4.42%4.42%4.44%+48 bps
Efficiency Ratio65.34%64.66%64.49%64.00%61.15%-418 bps
Non-Interest Burden2.46%2.52%2.71%2.71%2.57%+11 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 / Loans0.52%0.16%0.10%0.27%0.09%-43 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