Side-by-side · Q2 2026 data
Planters Bank & Trust Company vs Winnsboro State Bank & Trust Company
Metric by metric
| Measure | Planters Bank & Trust Company | Winnsboro State Bank & Trust Company |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 62 (stronger) | 59 |
| Loan quality | 80 (stronger) | 69 |
| Earnings | 73 | 79 (stronger) |
| Funding & liquidity | 55 | 60 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 63rd | 37th |
| Total assets | $2.7B | $425.7M |
| Deposits / shares | $2.3B | $374.8M |
| Capital ratio | 11.19% (stronger) | 10.85% |
| Problem loans | 0.61% (stronger) | 0.94% |
| Net charge-offs | 0.25% | 0.18% (stronger) |
| Return on assets | 1.32% | 1.48% (stronger) |
| Loans ÷ deposits | 78.3% (stronger) | 89.4% |
| Uninsured deposits | 38.8% | 24.6% (stronger) |
| Offices | 29 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.7% | 0.4% |
Planters Bank & Trust Company has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Planters Bank & Trust Company leads on 4 and Winnsboro State Bank & Trust Company on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.