Bank of Winnfield & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Winnfield & Trust Company of Winnfield, LA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.34% | -0.44% | 28th below |
| ROAE | 8.15% | 13.32% | -5.17% | 26th below |
| Net Interest Margin | 4.08% | 3.93% | +0.15% | 57th above |
| Efficiency Ratio | 76.58% | 61.13% | +15.45% | 17th bottom |
| PPNR / Avg Assets | 0.90% | 1.68% | -0.78% | 17th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 15th bottom |
| Cost of Funds | 0.71% | 1.88% | -1.17% | 96th top |
| Net Interest Spread | 3.67% | 3.32% | +0.35% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 84th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans | 1.29% | 1.28% | +0.01% | 61st above |
| Texas Ratio | 2.19% | 7.34% | -5.15% | 61st above |
| Provision / NCO | 0.00% | 1395.19% | -1395.19% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 31.13% | 19.48% | +11.65% | 93rd top |
| Tier 1 Ratio | 31.13% | 19.52% | +11.61% | 93rd top |
| Total Capital Ratio | 32.16% | 20.60% | +11.56% | 93rd top |
| Leverage Ratio | 14.43% | 12.14% | +2.29% | 83rd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.20% | 11.36% | -0.16% | 63rd above |
| TCE / Tangible Assets | 11.20% | 11.08% | +0.12% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.92% | 80.67% | -38.75% | 95th top |
| Core Deposit Ratio | 91.63% | 86.85% | +4.78% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.47% | 6.84% | -10.31% | 7th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.94% | 7.92% | -0.98% | 60th above |
| Deposit Growth (Y/Y) | -5.32% | 6.29% | -11.61% | 6th bottom |
See Bank of Winnfield & Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Winnfield & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Winnfield & Trust Company profile, how to read a UBPR, or how this data updates.