Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Bank of St. Francisville
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Bank of St. Francisville |
|---|---|---|
| TellerScore | 68 (stronger) | 66 |
| Capital cushion | 59 (stronger) | 49 |
| Loan quality | 69 | 73 (stronger) |
| Earnings | 79 | 80 (stronger) |
| Funding & liquidity | 60 (stronger) | 53 |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 37th | 31st |
| Total assets | $425.7M | $398.7M |
| Deposits / shares | $374.8M | $346.0M |
| Capital ratio | 10.85% (stronger) | 9.87% |
| Problem loans | 0.94% | 0.81% (stronger) |
| Net charge-offs | 0.18% | -0.03% (stronger) |
| Return on assets | 1.48% | 1.50% (stronger) |
| Loans ÷ deposits | 89.4% | 86.4% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 33.9% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | 7.5% |
Winnsboro State Bank & Trust Company has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 3 and Bank of St. Francisville on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.