Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs First National Bank in DeRidder
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | First National Bank in DeRidder |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 59 (stronger) | 48 |
| Loan quality | 69 | 81 (stronger) |
| Earnings | 79 (stronger) | 78 |
| Funding & liquidity | 60 | 74 (stronger) |
| Problem-loan coverage | 87 | 87 |
| Peer percentile | 37th | 43rd |
| Total assets | $425.7M | $419.0M |
| Deposits / shares | $374.8M | $379.2M |
| Capital ratio | 10.85% (stronger) | 9.84% |
| Problem loans | 0.94% | 0.57% (stronger) |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 1.44% |
| Loans ÷ deposits | 89.4% | 65.4% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 34.1% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
First National Bank in DeRidder has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 3 and First National Bank in DeRidder on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.