Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Winnsboro State Bank & Trust Company
Metric by metric
| Measure | Citizens Bank & Trust Company | Winnsboro State Bank & Trust Company |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 69 (stronger) | 59 |
| Loan quality | 73 (stronger) | 69 |
| Earnings | 64 | 79 (stronger) |
| Funding & liquidity | 46 | 60 (stronger) |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 37th | 37th |
| Total assets | $480.8M | $425.7M |
| Deposits / shares | $405.4M | $374.8M |
| Capital ratio | 11.93% (stronger) | 10.85% |
| Problem loans | 0.82% (stronger) | 0.94% |
| Net charge-offs | 0.09% (stronger) | 0.18% |
| Return on assets | 1.09% | 1.48% (stronger) |
| Loans ÷ deposits | 88.7% (stronger) | 89.4% |
| Uninsured deposits | 37.8% | 24.6% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 0.4% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 4 and Winnsboro State Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.