Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs Homeland Federal Savings Bank
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | Homeland Federal Savings Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 59 |
| Capital cushion | 59 (stronger) | 42 |
| Loan quality | 69 (stronger) | 67 |
| Earnings | 79 (stronger) | 78 |
| Funding & liquidity | 60 (stronger) | 46 |
| Problem-loan coverage | 87 (stronger) | 69 |
| Peer percentile | 37th | 17th |
| Total assets | $425.7M | $657.8M |
| Deposits / shares | $374.8M | $572.5M |
| Capital ratio | 10.85% (stronger) | 9.21% |
| Problem loans | 0.94% (stronger) | 0.99% |
| Net charge-offs | 0.18% | -0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 1.44% |
| Loans ÷ deposits | 89.4% (stronger) | 97.0% |
| Uninsured deposits | 24.6% (stronger) | 30.8% |
| Offices | 5 | 5 |
| 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 59). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 6 and Homeland Federal Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.