Side-by-side · Q2 2026 data
The First National Bank of Winnsboro vs Cypress Bank, SSB
Metric by metric
| Measure | The First National Bank of Winnsboro | Cypress Bank, SSB |
|---|---|---|
| TellerScore | 86 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 63 (stronger) | 39 |
| Earnings | 97 (stronger) | 44 |
| Funding & liquidity | 78 | 88 (stronger) |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 90th | 17th |
| Total assets | $158.2M | $235.5M |
| Deposits / shares | $121.4M | $192.9M |
| Capital ratio | 22.72% (stronger) | 11.44% |
| Problem loans | 1.10% (stronger) | 1.84% |
| Net charge-offs | 0.09% | 0.06% (stronger) |
| Return on assets | 1.92% (stronger) | 0.59% |
| Loans ÷ deposits | 82.6% | 72.1% (stronger) |
| Uninsured deposits | 14.7% | 9.2% (stronger) |
| Offices | 2 | 4 |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Winnsboro leads on 4 and Cypress Bank, SSB on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.