Side-by-side · Q2 2026 data
Winnsboro State Bank & Trust Company vs The Bank
Metric by metric
| Measure | Winnsboro State Bank & Trust Company | The Bank |
|---|---|---|
| TellerScore | 68 | 83 (stronger) |
| Capital cushion | 59 | 78 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 79 | 90 (stronger) |
| Funding & liquidity | 60 | 75 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 37th | 84th |
| Total assets | $425.7M | $462.0M |
| Deposits / shares | $374.8M | $396.3M |
| Capital ratio | 10.85% | 12.76% (stronger) |
| Problem loans | 0.94% | 0.48% (stronger) |
| Net charge-offs | 0.18% | 0.15% (stronger) |
| Return on assets | 1.48% | 1.75% (stronger) |
| Loans ÷ deposits | 89.4% | 82.8% (stronger) |
| Uninsured deposits | 24.6% | 17.4% (stronger) |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.4% | 1.6% |
The Bank has the higher TellerScore (83 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Winnsboro State Bank & Trust Company leads on 0 and The Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.