Bank of Winnfield & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 2.39 percentage points in Q2 2026, from 39.53% to 41.92%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Bank of Winnfield & Trust Company is 70th of 103 on return on assets, 0.90% as of Q2 2026, below the middle of the field. Bank of Winnfield & Trust Company reported 0.90% on return on assets for Q2 2026, 0.36 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.13% |
| Tier 1 risk-based capital ratio | 31.13% |
| Total risk-based capital ratio | 32.16% |
| Tier 1 leverage ratio | 14.43% |
| Equity capital to assets | 11.20% |
| Tangible equity to tangible assets | 11.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.19% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 8.15% |
| Net interest margin | 4.08% |
| Efficiency ratio | 76.58% |
| Yield on earning assets | 4.77% |
| Cost of funds | 0.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.92% |
| Core deposits to total deposits | 91.63% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.78% |
| Securities to assets | 35.11% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 30.24% | 30.24% | 31.40% | 12.75% | 0.86% |
| Q4 2023 | 30.00% | 30.00% | 31.19% | 13.15% | 0.91% |
| Q1 2024 | 31.77% | 31.77% | 33.02% | 12.92% | 0.71% |
| Q2 2024 | 32.86% | 32.86% | 34.11% | 13.51% | 1.05% |
| Q3 2024 | 32.10% | 32.10% | 33.35% | 13.81% | 1.18% |
| Q4 2024 | 31.54% | 31.54% | 32.63% | 13.90% | 1.10% |
| Q1 2025 | 30.74% | 30.74% | 31.82% | 13.75% | 0.65% |
| Q2 2025 | 31.43% | 31.43% | 32.50% | 13.60% | 1.03% |
| Q3 2025 | 32.23% | 32.23% | 33.33% | 14.21% | 1.16% |
| Q4 2025 | 31.04% | 31.04% | 32.08% | 14.29% | 1.04% |
| Q1 2026 | 32.91% | 32.91% | 34.01% | 14.31% | 0.58% |
| Q2 2026 | 31.13% | 31.13% | 32.16% | 14.43% | 0.90% |
Bank of Winnfield & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Winnfield & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Winnfield & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9323) · FFIEC NIC profile (RSSD 625953)