The First National Bank of Winnsboro
Also written as FNB of Winnsboro
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Winnsboro is an FDIC-insured commercial bank headquartered in Winnsboro, TX, established in 1893 (FDIC certificate 5590), and it is supervised by the OCC. At Q2 2026 it reported total assets of $158.2M, down 1.3% from Q2 2025, the 275th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5590
- Headquarters
- Winnsboro, TX
- Established
- 1893
- Total assets, Q2 2026
- $158.2M
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 22.72%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111904859
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Winnsboro call report
- Holding company
- ETEX BANCO, INC.
- Asset rank in state
- 275th of 346 in Texas
Problem loans are rising at The First National Bank of Winnsboro. It reported $158 million in assets at June 30, 2026, down 1.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.10% of loans from 0.02% a year earlier. It keeps 5.19 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also funds 22.72% of its assets with Tier 1 capital, about double the median of 10.99% for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 4.6% and deposits fell 0.8%.
As of June 30, 2026, The First National Bank of Winnsboro reported a return on assets of 2.09%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 3.22%. The figures come from its call report filed with the FFIEC.
The First National Bank of Winnsboro ranks as the 275th largest of the 346 banks based in Texas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.3% to $158.2M, loans rose 3.8% and deposits rose 0.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 34.6% of total loans, ahead of 1-4 family residential loans at 25.0%. Its 3 offices in the FDIC Summary of Deposits are in Winnsboro, TX and Winona, TX; its Winnsboro 2 offices book 88% of its branch deposits. On its Q2 2026 call report, The First National Bank of Winnsboro meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 315 N Main St, Winnsboro, TX 75494
- County
- Wood
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1893
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $121.4M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $44K
- Average total assets
- $157.1M
- Average total loans
- $99.2M
- Average interest-bearing deposits
- $78.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5590
- Fed RSSD
- 501767
- Website
- www.fnbwinnsboro.com →
- Parent Holding Company
- ETEX BANCO, INC. (RSSD 1102170)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The First National Bank of Winnsboro reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Winnsboro's total assets ranged from $155.8M (Q4 2025) to $163.2M (Q1 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$158.2M total assets against $160.4M; $124.4M total liabilities against $129.1M.
$100.3M net loans and leases against $95.8M; $121.4M total deposits against $122.4M.
$27.4M securities against $29.4M; $16.5M cash and balances due against $22.1M.
$2.2M total interest income against $2.3M; $407K total interest expense against $453K.
$1.8M net interest income against $1.9M.
$296K total noninterest income against $255K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$821K net income against $833K.
2.09% return on assets against 2.10%; 5.19% net interest margin against 5.17%.
22.72% tier 1 leverage ratio against 21.61%.
Inside the full The First National Bank of Winnsboro terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Winnsboro rankings
Its closest position to the top of a national ranking is 401 of 3,611, for ROA; its furthest is 3,233 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -6.44% (Q4 2024) to 2.38% (Q3 2024) and its net interest margin ran from 5.11% (Q4 2025) to 5.37% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.72% | 2.09% | 1.10% | 3.22% | 5.19% |
| Q1 2026 | 22.50% | 1.77% | 0.67% | 1.96% | 5.15% |
| Q4 2025 | 21.54% | 1.48% | 0.08% | 0.23% | 5.11% |
| Q3 2025 | 21.66% | 2.15% | 0.00% | 0.01% | 5.37% |
| Q2 2025 | 21.61% | 2.10% | 0.02% | 0.06% | 5.17% |
| Q1 2025 | 20.84% | 2.08% | 0.45% | 1.39% | 5.18% |
| Q4 2024 | 20.27% | -6.44% | 0.43% | 1.39% | 5.32% |
| Q3 2024 | 22.90% | 2.38% | 0.50% | 1.32% | 5.36% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The First National Bank of Winnsboro | Winnsboro , TX | 75494 | $99.7M |
| Winona-Owentown Branch | Winona , TX | 75792 | $14.8M |
| South Town Branch | Winnsboro , TX | 75494 | $6.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1997 | Structure Change | Acquired Winnsboro Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 1988 | Structure Change | Acquired American National Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 10, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 1 against individuals associated with it
- December 14, 2010, OCC: Formal Agreement: First National Bank of Winnsboro
- Period: Most recent institution action December 14, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 353 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 32 applications, 23 loans originated, $3.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The First National Bank of Winnsboro
What are The First National Bank of Winnsboro's total assets?
As of the Q2 2026 filing, The First National Bank of Winnsboro reported total assets of $158.2 million in its FFIEC call report.
Where is The First National Bank of Winnsboro headquartered?
It is headquartered in Winnsboro, TX, United States.
When was The First National Bank of Winnsboro founded?
It was established in 1893, per the FDIC institution directory.
Is The First National Bank of Winnsboro FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5590). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Winnsboro?
The First National Bank of Winnsboro's primary federal regulator is the OCC.
How many branches does The First National Bank of Winnsboro operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Winnsboro's Texas Ratio?
Its Texas Ratio is 3.22% 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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