WINNSBORO STATE BANK & TRUST COMPANY

WINNSBORO, LA | Small | Est. Sept. 2, 1902, midnight | FDIC #10533 | RSSD #628552 | FDIC
Latest Report: 2025-12-31

WINNSBORO STATE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in WINNSBORO, LA, established in Sept. 2, 1902, midnight. As of 2025-12-31, the bank reported total assets of $397M and total deposits of $341M. Profitability stands at 1.17% ROA and 10.56% ROE, with a net interest margin of 4.78%. The bank's CET1 capital ratio is 14.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 4.34%. FDIC Certificate #10533.

Assets

$397M

Deposits

$341M

Loans

$309M

Equity

$43M

Profitability

Return on Assets (ROA) 1.17%
Return on Equity (ROE) 10.56%
Net Interest Margin (NIM) 4.78%
Yield on Assets 7.14%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio 0.18%
Texas Ratio 4.34%
NPA Ratio 0.50%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 14.06%
Tier 1 Capital 14.06%
Total Capital Ratio 15.05%
Leverage Ratio 11.23%
Loan-to-Deposit 90.67%

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