Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Hodge Bank & Trust Company
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Hodge Bank & Trust Company |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 69 (stronger) | 38 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 60 | 66 (stronger) |
| Problem-loan coverage | 87 (stronger) | 83 |
| Peer percentile | 37th | 72nd |
| Total assets | $425.7M | $127.6M |
| Deposits / shares | $374.8M | $108.3M |
| Capital ratio | 10.85% | 15.16% (stronger) |
| Problem loans | 0.94% (stronger) | 1.85% |
| Net charge-offs | 0.18% (stronger) | 0.95% |
| Return on assets | 1.48% | 2.55% (stronger) |
| Loans ÷ deposits | 89.4% | 79.0% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 29.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | — |
Hodge Bank & Trust Company has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 3 and Hodge Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.