Side-by-side · Q2 2026 data
The First National Bank of Winnsboro vs Spring Hill State Bank
Metric by metric
| Measure | The First National Bank of Winnsboro | Spring Hill State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 63 | 69 (stronger) |
| Earnings | 97 (stronger) | 77 |
| Funding & liquidity | 78 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 92 |
| Peer percentile | 90th | 75th |
| Total assets | $158.2M | $238.5M |
| Deposits / shares | $121.4M | $186.9M |
| Capital ratio | 22.72% (stronger) | 16.65% |
| Problem loans | 1.10% | 0.94% (stronger) |
| Net charge-offs | 0.09% | 0.04% (stronger) |
| Return on assets | 1.92% (stronger) | 1.42% |
| Loans ÷ deposits | 82.6% (stronger) | 97.6% |
| Uninsured deposits | 14.7% (stronger) | 27.7% |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Winnsboro leads on 5 and Spring Hill State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.