Side-by-side · Q2 2026 data
Fannin Bank vs The First National Bank of Winnsboro
Metric by metric
| Measure | Fannin Bank | The First National Bank of Winnsboro |
|---|---|---|
| TellerScore | 65 | 86 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 65 (stronger) | 63 |
| Earnings | 79 | 97 (stronger) |
| Funding & liquidity | 92 (stronger) | 78 |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 29th | 90th |
| Total assets | $159.1M | $158.2M |
| Deposits / shares | $147.1M | $121.4M |
| Capital ratio | 8.60% | 22.72% (stronger) |
| Problem loans | 1.04% (stronger) | 1.10% |
| Net charge-offs | 0.06% (stronger) | 0.09% |
| Return on assets | 1.46% | 1.92% (stronger) |
| Loans ÷ deposits | 55.2% (stronger) | 82.6% |
| Uninsured deposits | 22.0% | 14.7% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.7% |
The First National Bank of Winnsboro has the higher TellerScore (86 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Fannin Bank leads on 3 and The First National Bank of Winnsboro on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.