Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Commercial Capital Bank
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Commercial Capital Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 46 |
| Capital cushion | 59 | 65 (stronger) |
| Loan quality | 69 (stronger) | 0 |
| Earnings | 79 | 96 (stronger) |
| Funding & liquidity | 60 (stronger) | 35 |
| Problem-loan coverage | 87 (stronger) | 20 |
| Peer percentile | 37th | 5th |
| Total assets | $425.7M | $611.4M |
| Deposits / shares | $374.8M | $453.3M |
| Capital ratio | 10.85% | 11.45% (stronger) |
| Problem loans | 0.94% (stronger) | 5.66% |
| Net charge-offs | 0.18% (stronger) | 0.29% |
| Return on assets | 1.48% | 1.91% (stronger) |
| Loans ÷ deposits | 89.4% (stronger) | 107.1% |
| Uninsured deposits | 24.6% (stronger) | 31.4% |
| Offices | 5 | 8 |
| 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 46). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 5 and Commercial Capital Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.