Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Franklin State Bank & Trust Company
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Franklin State Bank & Trust Company |
|---|---|---|
| TellerScore | 68 | 75 (stronger) |
| Capital cushion | 59 (stronger) | 50 |
| Loan quality | 69 | 75 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 87 | 91 (stronger) |
| Peer percentile | 37th | 61st |
| Total assets | $425.7M | $224.7M |
| Deposits / shares | $374.8M | $200.2M |
| Capital ratio | 10.85% (stronger) | 10.03% |
| Problem loans | 0.94% | 0.76% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.34% |
| Return on assets | 1.48% | 2.05% (stronger) |
| Loans ÷ deposits | 89.4% | 62.2% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 28.5% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
Franklin State Bank & Trust Company has the higher TellerScore (75 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 3 and Franklin State Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Winnsboro, LA