Side-by-side · Q2 2026 data
Bank of Zachary vs Winnsboro State Bank & Trust Company
Metric by metric
| Measure | Bank of Zachary | Winnsboro State Bank & Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 69 (stronger) | 59 |
| Loan quality | 98 (stronger) | 69 |
| Earnings | 59 | 79 (stronger) |
| Funding & liquidity | 61 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 64th | 37th |
| Total assets | $416.0M | $425.7M |
| Deposits / shares | $359.7M | $374.8M |
| Capital ratio | 11.92% (stronger) | 10.85% |
| Problem loans | 0.07% (stronger) | 0.94% |
| Net charge-offs | 0.16% (stronger) | 0.18% |
| Return on assets | 0.98% | 1.48% (stronger) |
| Loans ÷ deposits | 84.9% (stronger) | 89.4% |
| Uninsured deposits | 27.8% | 24.6% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | 0.4% |
Bank of Zachary has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Zachary leads on 5 and Winnsboro State Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.