Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Caldwell Bank & Trust Company
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Caldwell Bank & Trust Company |
|---|---|---|
| TellerScore | 68 (stronger) | 41 |
| Capital cushion | 59 (stronger) | 50 |
| Loan quality | 69 (stronger) | 5 |
| Earnings | 79 (stronger) | 59 |
| Funding & liquidity | 60 (stronger) | 52 |
| Problem-loan coverage | 87 (stronger) | 55 |
| Peer percentile | 37th | 3rd |
| Total assets | $425.7M | $298.6M |
| Deposits / shares | $374.8M | $257.6M |
| Capital ratio | 10.85% (stronger) | 10.03% |
| Problem loans | 0.94% (stronger) | 2.86% |
| Net charge-offs | 0.18% | 0.01% (stronger) |
| Return on assets | 1.48% (stronger) | 0.98% |
| Loans ÷ deposits | 89.4% | 87.6% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 34.0% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
Winnsboro State Bank & Trust Company has the higher TellerScore (68 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 5 and Caldwell Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winnsboro, LA