TellerScore

Bank of Winnfield & Trust Company (FDIC certificate #9323) is based in Winnfield, Louisiana. Its Q2 2026 call report shows $156.0M in total assets and $136.9M in deposits and 2 offices.

Bank of Winnfield & Trust Company has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 15th. Problem-loan coverage contributes the most (96/100, 2.2%); earnings contributes the least (50/100, 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Tier 1 leverage ratio: 14.43%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.67%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 41.4% · 27.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 80).

TellerScore
788387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202482
Q4 202482
Q1 202583
Q2 202581
Q3 202587
Q4 202583
Q1 202680
Q2 202680
Tier 1 leverage ratio
5.00%9.71%14.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.51%
Q3 202413.81%
Q4 202413.90%
Q1 202513.75%
Q2 202513.60%
Q3 202514.21%
Q4 202514.29%
Q1 202614.31%
Q2 202614.43%
Noncurrent loans
0.04%0.39%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20240.49%
Q4 20240.56%
Q1 20250.06%
Q2 20250.32%
Q3 20250.04%
Q4 20250.57%
Q1 20260.52%
Q2 20260.67%
Return on assets
0.59%0.80%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.97%
Q4 20241.01%
Q1 20250.65%
Q2 20250.85%
Q3 20250.95%
Q4 20250.97%
Q1 20260.59%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$156.0M14.43%0.67%0.74%41.4%
Q1 202680$153.5M14.31%0.52%0.59%39.0%
Q4 202583$155.0M14.29%0.57%0.97%38.9%
Q3 202587$154.9M14.21%0.04%0.95%38.5%
Q2 202581$161.6M13.60%0.32%0.85%36.6%
Q1 202583$160.6M13.75%0.06%0.65%37.0%
Q4 202482$152.7M13.90%0.56%1.01%38.0%
Q3 202482$157.4M13.81%0.49%0.97%36.5%
Q2 202478$157.2M13.51%0.74%0.88%35.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.43%
84th
Total risk-based capital32.16%
97th
Problem loans0.67%
38th
Net charge-offs0.04%
30th
Return on assets0.74%
21st
Net interest margin3.86%
46th
Efficiency ratio82.7%
11th
Loans to deposits41.4%
95th
Uninsured deposits27.3%
37th
Loan-loss reserves1.29%
62nd
Texas ratio2.2%
56th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Colfax Banking CompanyBank Colfax, LA76 out of 100, Strong$152.3M11.0%0.04%vs
Citizens Bank & Trust Company of Vivian, LouisianaBank Vivian, LA64 out of 100, Moderate$159.6M10.3%0.87%vs
State Bank & Trust CompanyBank Golden Meadow, LA74 out of 100, Strong$165.1M10.6%0.46%vs
Vermilion Bank & Trust CompanyBank Kaplan, LA72 out of 100, Strong$145.5M12.6%2.17%vs
Bank of Oak RidgeBank Oak Ridge, LA72 out of 100, Strong$138.6M11.6%0.00%vs
Farmers State Bank & Trust Co.Bank Church Point, LA56 out of 100, Moderate$174.7M9.1%2.76%vs

Deposit insurance

Is my money safe at Bank of Winnfield & Trust Company?

Yes. Bank of Winnfield & Trust Company is an FDIC-insured institution (FDIC certificate #9323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($37.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 32.16% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Bank of Winnfield & Trust Company lists 2 offices in 1 city. Most locations:

  • Winnfield, LA (2)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Winnfield & Trust Company
Type
State-chartered bank
FDIC certificate #
9323
RSSD ID
625953
Primary regulator
FDIC
Holding company
Black Cat Financial Corp
Established
January 1, 1901
Headquarters
200 W Main St, Winnfield, LA 71483
Employees
38

Quick answers

Bank of Winnfield & Trust Company: common questions

Is Bank of Winnfield & Trust Company FDIC insured?

Yes. Bank of Winnfield & Trust Company is an FDIC-insured institution (FDIC certificate #9323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Winnfield & Trust Company's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Winnfield & Trust Company ever failed?

There is no failure record for FDIC certificate #9323 in the FDIC failed bank list.

How many branches does Bank of Winnfield & Trust Company have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnfield

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
BOM BankBank Natchitoches, LA60 out of 100, Moderate$1.6B10.6%0.86%vs
Sabine State Bank and Trust CompanyBank Many, LA52 out of 100, Below average$1.3B8.3%1.66%vs