The First National Bank of Winnsboro: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 6.84 percentage points lower than in Q1 2026, at 35.92%. The First National Bank of Winnsboro ranks 54th of 345 Texas banks on return on assets, in the upper half at 2.09% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The First National Bank of Winnsboro reported 2.09% on return on assets in Q2 2026, 0.84 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 22.72% |
| Equity capital to assets | 21.38% |
| Tangible equity to tangible assets | 21.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.57% |
| Non-performing assets ratio | 2.29% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 10.45% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 35.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 9.90% |
| Net interest margin | 5.19% |
| Efficiency ratio | 52.15% |
| Yield on earning assets | 6.31% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.66% |
| Core deposits to total deposits | 84.81% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.74% |
| Securities to assets | 17.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 20.72% | 1.99% | 5.42% | 4.66% | -0.01% |
| Q4 2023 | 20.55% | 0.99% | 5.16% | 4.28% | 1.51% |
| Q1 2024 | 22.05% | 6.68% | 5.04% | 3.74% | 0.01% |
| Q2 2024 | 22.79% | 1.71% | 5.14% | 3.36% | 1.45% |
| Q3 2024 | 22.90% | 2.38% | 5.36% | 3.23% | 0.11% |
| Q4 2024 | 20.27% | -6.44% | 5.32% | 3.08% | 0.03% |
| Q1 2025 | 20.84% | 2.08% | 5.18% | 3.12% | 0.04% |
| Q2 2025 | 21.61% | 2.10% | 5.17% | 2.69% | 0.02% |
| Q3 2025 | 21.66% | 2.15% | 5.37% | 2.67% | -0.14% |
| Q4 2025 | 21.54% | 1.48% | 5.11% | 2.78% | 0.00% |
| Q1 2026 | 22.50% | 1.77% | 5.15% | 3.12% | 0.16% |
| Q2 2026 | 22.72% | 2.09% | 5.19% | 3.57% | 0.02% |
The First National Bank of Winnsboro vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Winnsboro, 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 The First National Bank of Winnsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5590) · FFIEC NIC profile (RSSD 501767)