TellerScore

Winnsboro State Bank & Trust Company (FDIC certificate #10533) is based in Winnsboro, Louisiana. Its Q2 2026 call report shows $425.7M in total assets and $374.8M in deposits and 5 offices.

Based on its Q2 2026 filing, Winnsboro State Bank & Trust Company scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 59th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is capital cushion (59/100; 10.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.85%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 89.4% · 24.6% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.73%

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 (68 → 68).

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202463
Q1 202564
Q2 202568
Q3 202568
Q4 202565
Q1 202665
Q2 202668
Tier 1 leverage ratio
5.00%8.59%12.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.33%
Q3 202411.66%
Q4 202411.76%
Q1 202512.18%
Q2 202511.40%
Q3 202511.23%
Q4 202511.23%
Q1 202611.07%
Q2 202610.85%
Noncurrent loans
0.94%1.38%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.52%
Q3 20241.82%
Q4 20241.81%
Q1 20251.76%
Q2 20251.10%
Q3 20251.04%
Q4 20251.33%
Q1 20261.29%
Q2 20260.94%
Return on assets
1.35%1.42%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.41%
Q4 20241.39%
Q1 20251.40%
Q2 20251.41%
Q3 20251.41%
Q4 20251.35%
Q1 20261.39%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$425.7M10.85%0.94%1.48%89.4%
Q1 202665$412.5M11.07%1.29%1.39%86.8%
Q4 202565$397.0M11.23%1.33%1.35%89.8%
Q3 202568$381.3M11.23%1.04%1.41%88.0%
Q2 202568$385.6M11.40%1.10%1.41%81.5%
Q1 202564$363.0M12.18%1.76%1.40%84.5%
Q4 202463$336.9M11.76%1.81%1.39%89.6%
Q3 202462$346.1M11.66%1.82%1.41%92.1%
Q2 202464$354.7M11.33%1.52%1.43%89.0%

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 ratio10.85%
48th
Total risk-based capital0.00%
24th
Problem loans0.94%
30th
Net charge-offs0.18%
13th
Return on assets1.48%
65th
Net interest margin4.69%
85th
Efficiency ratio62.5%
49th
Loans to deposits89.4%
27th
Uninsured deposits24.6%
48th
Loan-loss reserves0.97%
23rd
Texas ratio6.7%
28th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in DeRidderBank Deridder, LA70 out of 100, Strong$419.0M9.8%0.57%vs
Bank of ZacharyBank Zachary, LA76 out of 100, Strong$416.0M11.9%0.07%vs
Bank of St. FrancisvilleBank Saint Francisville, LA66 out of 100, Moderate$398.7M9.9%0.81%vs
Southern Heritage BankBank Jonesville, LA73 out of 100, Strong$397.9M10.5%0.72%vs
Guaranty Bank & Trust Company of Delhi, LouisianaBank Delhi, LA56 out of 100, Moderate$457.4M8.5%1.29%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs

Deposit insurance

Is my money safe at Winnsboro State Bank & Trust Company?

Yes. Winnsboro State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #10533). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 24.6% of deposits ($92.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, 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

5 locations

Branches

Winnsboro State Bank & Trust Company lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Winnsboro State Bank & Trust Company reported 246 home-loan applications under HMDA (LEI 254900GVA8WBFNUQTV33): 232 originated ($38,840,000 total), 1 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.4%, 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
Winnsboro State Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
10533
RSSD ID
628552
Primary regulator
FDIC
Holding company
Winnsboro Bancshares Inc
Established
September 2, 1902
Headquarters
3875 Front St, Winnsboro, LA 71295
Employees
74

Quick answers

Winnsboro State Bank & Trust Company: common questions

Is Winnsboro State Bank & Trust Company FDIC insured?

Yes. Winnsboro State Bank & Trust Company is an FDIC-insured institution (FDIC certificate #10533). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Winnsboro State Bank & Trust Company's TellerScore?

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

Has Winnsboro State Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #10533 in the FDIC failed bank list.

How many branches does Winnsboro State Bank & Trust Company have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winnsboro

InstitutionScoreAssetsCapitalProblem loansCompare
Sicily Island State BankBank Sicily Island, LA86 out of 100, Very strong$92.4M13.2%0.13%vs
District 58 Federal Credit UnionCredit union Chase, LA80 out of 100, Strong$6.1M16.2%0.48%vs
Franklin State Bank & Trust CompanyBank Winnsboro, LA75 out of 100, Strong$224.7M10.0%0.76%vs
Richland Parish Schools Federal Credit UnionCredit union Rayville, LA74 out of 100, Strong$619K29.6%6.18%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs
b1BANKBank Baton Rouge, LA59 out of 100, Moderate$8.9B10.9%1.26%vs