Bank of Winnfield & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Bank of Winnfield & Trust Company is an FDIC-insured commercial bank headquartered in Winnfield, LA, established in 1901 (FDIC certificate 9323), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $156.0M, down 3.5% from Q2 2025, the 83rd largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 31.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9323
- Headquarters
- Winnfield, LA
- Established
- 1901
- Total assets, Q2 2026
- $156.0M
- Assets vs Q2 2025
- -3.5%
- CET1 ratio, Q2 2026
- 31.13%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 111100844
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Winnfield & Trust Company call report
- Holding company
- BLACK CAT FINANCIAL CORP
- Asset rank in state
- 83rd of 102 in Louisiana
Problem loans are rising at Bank of Winnfield & Trust Company. Based in Winnfield, Louisiana, it had $156 million in assets at June 30, 2026, down 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.67% of loans from 0.32% a year earlier. It pays an average of 0.71% on its deposits and borrowings, about a third the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also holds common equity equal to 31.13% of its risk-weighted assets, about double the median of 15.11% for banks its size.
Net income for the quarter slipped 15% from a year earlier, to $350,000. Over the same year, loans grew 6.9% and deposits shrank 5.3%. Costs are the weak spot: it spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bank of Winnfield & Trust Company reported a CET1 capital ratio of 31.13%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.67% and a Texas ratio of 2.19%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Winnfield & Trust Company is the 83rd largest of the 102 banks headquartered in Louisiana. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $156.0M, loans rose 7.6% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.9% of total loans, ahead of commercial and industrial loans at 22.9%. The FDIC Summary of Deposits lists 2 offices for it, in Winnfield, LA. On its Q2 2026 call report, Bank of Winnfield & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Main St, Winnfield, LA 71483
- County
- Winn
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $136.9M
- Allowance for credit losses
- $740K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $155.8M
- Average total loans
- $55.8M
- Average interest-bearing deposits
- $91.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9323
- Fed RSSD
- 625953
- Website
- http://www.bankofwinnfield.com →
- Parent Holding Company
- BLACK CAT FINANCIAL CORP (RSSD 3723953)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Winnfield & Trust Company's total assets ran between $152.7M (Q4 2024) and $161.6M (Q4 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$156.0M total assets against $161.6M; $138.5M total liabilities against $146.2M.
$56.7M net loans and leases against $52.9M; $136.9M total deposits against $144.6M.
$54.8M securities against $56.1M; $32.2M cash and balances due against $40.6M.
$1.6M total interest income against $1.6M; $245K total interest expense against $248K.
$1.4M net interest income against $1.4M.
$332K total noninterest income against $330K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $15K.
$350K net income against $414K.
0.90% return on assets against 1.03%; 4.08% net interest margin against 3.86%.
31.13% CET1 capital ratio against 31.43%; 14.43% tier 1 leverage ratio against 13.60%.
Inside the full Bank of Winnfield & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Winnfield & Trust Company rankings
Its closest position to the top of a national ranking is 69 of 2,134, for CET1 ratio; its furthest is 3,117 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.58% (Q1 2026) to 1.18% (Q3 2024) and its net interest margin ran from 3.69% (Q4 2024) to 4.08% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.13% | 0.90% | 0.67% | 2.19% | 4.08% |
| Q1 2026 | 32.91% | 0.58% | 0.52% | 1.65% | 3.85% |
| Q4 2025 | 31.04% | 1.04% | 0.57% | 1.77% | 3.89% |
| Q3 2025 | 32.23% | 1.16% | 0.04% | 0.22% | 4.01% |
| Q2 2025 | 31.43% | 1.03% | 0.32% | 1.32% | 3.86% |
| Q1 2025 | 30.74% | 0.65% | 0.06% | 0.35% | 3.71% |
| Q4 2024 | 31.54% | 1.10% | 0.56% | 2.13% | 3.69% |
| Q3 2024 | 32.10% | 1.18% | 0.49% | 1.68% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Winnfield & Trust Company (main office) | Winnfield , LA | 71483 | $135.1M |
| Northside Branch | Winnfield , LA | 71483 | $1.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in LA, rank 94 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Winnfield & Trust Company
What are Bank of Winnfield & Trust Company's total assets?
As of the Q2 2026 filing, Bank of Winnfield & Trust Company reported total assets of $156.0 million in its FFIEC call report.
Where is Bank of Winnfield & Trust Company headquartered?
It is headquartered in Winnfield, LA, United States.
When was Bank of Winnfield & Trust Company founded?
It was established in 1901, per the FDIC institution directory.
Is Bank of Winnfield & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9323). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Winnfield & Trust Company?
Bank of Winnfield & Trust Company's primary federal regulator is the FDIC.
What is Bank of Winnfield & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Winnfield & Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Winnfield & Trust Company's Texas Ratio?
Its Texas Ratio is 2.19% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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