TellerScore

The First National Bank of Winnsboro is a national bank headquartered in Winnsboro, Texas, in business for about 133 years. At the end of Q2 2026 it reported $158.2M in total assets and $121.4M in deposits, with 3 offices.

The First National Bank of Winnsboro has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 44th. Capital cushion contributes the most (100/100, 22.72%); loan quality contributes the least (63/100, 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 22.72%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.10%
Earnings97/100
Return on assets (annualized): 1.92%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 82.6% · 14.7% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.18%

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

From Q2 2025 to Q2 2026, the score fell 11 points (97 → 86), mostly because the loan quality component weakened by 36 points.

TellerScore
859197Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202492
Q3 202492
Q4 202485
Q1 202593
Q2 202597
Q3 202597
Q4 202597
Q1 202689
Q2 202686
Tier 1 leverage ratio
5.00%13.95%22.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202422.79%
Q3 202422.90%
Q4 202420.27%
Q1 202520.84%
Q2 202521.61%
Q3 202521.67%
Q4 202521.54%
Q1 202622.50%
Q2 202622.72%
Noncurrent loans
0.00%0.55%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.52%
Q3 20240.50%
Q4 20240.43%
Q1 20250.45%
Q2 20250.02%
Q3 20250.00%
Q4 20250.08%
Q1 20260.67%
Q2 20261.10%
Return on assets
1.08%2.64%4.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20244.19%
Q3 20243.58%
Q4 20241.08%
Q1 20252.08%
Q2 20252.08%
Q3 20252.10%
Q4 20251.95%
Q1 20261.76%
Q2 20261.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$158.2M22.72%1.10%1.92%82.6%
Q1 202689$156.2M22.50%0.67%1.76%80.0%
Q4 202597$155.8M21.54%0.08%1.95%75.4%
Q3 202597$158.1M21.67%0.00%2.10%79.0%
Q2 202597$160.4M21.61%0.02%2.08%78.2%
Q1 202593$161.6M20.84%0.45%2.08%78.7%
Q4 202485$159.2M20.27%0.43%1.08%84.9%
Q3 202492$162.1M22.90%0.50%3.58%81.0%
Q2 202492$159.8M22.79%0.52%4.19%80.1%

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 ratio22.72%
97th
Total risk-based capital0.00%
24th
Problem loans1.10%
25th
Net charge-offs0.09%
21st
Return on assets1.92%
85th
Net interest margin5.19%
94th
Efficiency ratio55.9%
70th
Loans to deposits82.6%
44th
Uninsured deposits14.7%
83rd
Loan-loss reserves1.28%
60th
Texas ratio3.2%
46th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Fannin BankBank Bonham, TX65 out of 100, Moderate$159.1M8.6%1.04%vs
The First National Bank of Tom BeanBank Tom Bean, TX67 out of 100, Moderate$155.6M12.1%1.23%vs
Graham Savings and Loan, SSBBank Graham, TX72 out of 100, Strong$155.1M11.7%0.86%vs
Fidelity Bank of TexasBank Waco, TX61 out of 100, Moderate$162.8M10.6%0.05%vs
First National Bank of Fort StocktonBank Fort Stockton, TX77 out of 100, Strong$153.5M12.2%0.02%vs
Agility Bank, National AssociationBank Houston, TX62 out of 100, Moderate$151.6M20.0%1.18%vs

Deposit insurance

Is my money safe at The First National Bank of Winnsboro?

Yes. The First National Bank of Winnsboro is an FDIC-insured institution (FDIC certificate #5590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.7% of deposits ($17.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 22.72%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

The First National Bank of Winnsboro lists 2 offices in 2 cities. Most locations:

  • Winnsboro, TX (1)
  • Winona, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The First National Bank of Winnsboro reported 32 home-loan applications under HMDA (LEI 549300P3IKHVYBR1E510): 23 originated ($3,065,000 total), 6 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The First National Bank of Winnsboro
Type
National bank
FDIC certificate #
5590
RSSD ID
501767
Primary regulator
OCC
Holding company
Etex Banco Inc
Established
January 1, 1893
Headquarters
315 N Main St, Winnsboro, TX 75494
Employees
29

Quick answers

The First National Bank of Winnsboro: common questions

Is The First National Bank of Winnsboro FDIC insured?

Yes. The First National Bank of Winnsboro is an FDIC-insured institution (FDIC certificate #5590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Winnsboro's TellerScore?

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

Has The First National Bank of Winnsboro ever failed?

There is no failure record for FDIC certificate #5590 in the FDIC failed bank list.

How many branches does The First National Bank of Winnsboro have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnsboro

InstitutionScoreAssetsCapitalProblem loansCompare
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Alba-Golden Federal Credit UnionCredit union Alba, TX90 out of 100, Very strong$22.2M16.8%0.01%vs
The American National Bank of Mount PleasantBank Mount Pleasant, TX88 out of 100, Very strong$144.6M12.8%0.00%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Yantis Federal Credit UnionCredit union Yantis, TX82 out of 100, Strong$26.8M13.4%0.01%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs