Bank of Winnfield & Trust Company
Winnfield, LA · Cert 9323 · Peer group: banks under $1B in assets (n=581-629) · Black Cat Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$156.0MAssets
$57.4MLoans
$136.9MDeposits
$17.5MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of banks under $1B in assets (rank 77 of 629).
- Widest gap: efficiency ratio trails 79% of banks under $1B in assets (rank 500 of 629).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.58%
Rank 481 of 629
Net Interest Margin
3.43%
Rank 347 of 629
Efficiency Ratio
82.70%
Rank 500 of 629
Equity / Assets
11.20%
Rank 272 of 629
Non-interest income vs. expense
Unfavorable gap of $4.2M · efficiency ratio beats 21% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.60% | 1.01% | 1.45% | Beats 24% | 481 / 629 | |
| Return on Equity | 5.18% | 5.38% | 9.30% | 13.28% | Beats 24% | 481 / 629 | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 45% | 347 / 629 | |
| Efficiency Ratio | 82.70% | 58.35% | 67.79% | 79.08% | Beats 21% | 500 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.67% | 0.09% | 0.46% | 1.20% | Beats 40% | 348 / 581 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.01% | 0.06% | Beats 40% | 351 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 31.13% | 11.24% | 13.84% | 18.77% | Beats 88% | 77 / 629 | |
| Total Risk-Based Capital Ratio | 32.16% | 11.58% | 14.43% | 19.66% | Beats 88% | 76 / 629 | |
| Equity / Assets | 11.20% | 9.09% | 10.65% | 13.80% | Beats 57% | 272 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 41.92% | 67.24% | 80.90% | 93.48% | 7th pctl | 552 / 594 | |
| Loans / Assets | 36.80% | 53.31% | 67.71% | 78.15% | 13th pctl | 546 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |