Side-by-side · Q2 2026 data
The First National Bank of Tom Bean vs The First National Bank of Winnsboro
Metric by metric
| Measure | The First National Bank of Tom Bean | The First National Bank of Winnsboro |
|---|---|---|
| TellerScore | 67 | 86 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 59 | 63 (stronger) |
| Earnings | 62 | 97 (stronger) |
| Funding & liquidity | 65 | 78 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 34th | 90th |
| Total assets | $155.6M | $158.2M |
| Deposits / shares | $135.7M | $121.4M |
| Capital ratio | 12.15% | 22.72% (stronger) |
| Problem loans | 1.23% | 1.10% (stronger) |
| Net charge-offs | 0.38% | 0.09% (stronger) |
| Return on assets | 1.05% | 1.92% (stronger) |
| Loans ÷ deposits | 93.2% | 82.6% (stronger) |
| Uninsured deposits | 17.2% | 14.7% (stronger) |
| Offices | 4 | 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 67). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Tom Bean leads on 0 and The First National Bank of Winnsboro on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.