Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs b1BANK
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | b1BANK |
|---|---|---|
| TellerScore | 68 (stronger) | 59 |
| Capital cushion | 59 | 59 |
| Loan quality | 69 (stronger) | 58 |
| Earnings | 79 (stronger) | 69 |
| Funding & liquidity | 60 (stronger) | 34 |
| Problem-loan coverage | 87 (stronger) | 81 |
| Peer percentile | 37th | 19th |
| Total assets | $425.7M | $8.9B |
| Deposits / shares | $374.8M | $7.3B |
| Capital ratio | 10.85% | 10.91% (stronger) |
| Problem loans | 0.94% (stronger) | 1.26% |
| Net charge-offs | 0.18% | 0.12% (stronger) |
| Return on assets | 1.48% (stronger) | 1.23% |
| Loans ÷ deposits | 89.4% (stronger) | 90.8% |
| Uninsured deposits | 24.6% (stronger) | 46.7% |
| Offices | 5 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | 7.0% |
Winnsboro State Bank & Trust Company has the higher TellerScore (68 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 5 and b1BANK on 2. 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.
Where both have branches
- Rayville, LA
- Ruston, LA
- Winnsboro, LA