Winnsboro State Bank & Trust Company
BankRegReports is independent of Winnsboro State Bank & Trust Company and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Winnsboro State Bank & Trust Company is an FDIC-insured commercial bank headquartered in Winnsboro, LA, established in 1902 (FDIC certificate 10533), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $425.7M, up 10.4% from Q2 2025, the 46th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10533
- Headquarters
- Winnsboro, LA
- Established
- 1902
- Total assets, Q2 2026
- $425.7M
- Assets vs Q2 2025
- +10.4%
- Tier 1 leverage ratio, Q2 2026
- 10.85%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 111101306
- Latest call report
- Q2 2026, FFIEC 041 · Winnsboro State Bank & Trust Company call report
- Holding company
- WINNSBORO BANCSHARES, INC.
- Asset rank in state
- 46th of 102 in Louisiana
Winnsboro State Bank & Trust Company, based in Winnsboro, Louisiana, reported $426 million in assets at June 30, 2026, up 10.4% from a year earlier. It grew its loan book 21.5% over the year, 3.9 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.64 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Net income for the quarter rose 26% from a year earlier, to $1.7 million. Over the same year, loans grew 21.5% and deposits grew 10.7%. Funding is the softer spot: it pays an average of 2.42% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Winnsboro State Bank & Trust Company reported a return on assets of 1.57%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 6.28%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Winnsboro State Bank & Trust Company is the 46th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.2% to $425.7M, loans rose 6.2% and deposits rose 3.1%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 33.4% of total loans, ahead of 1-4 family residential loans at 22.6%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in LA; its Winnsboro office books 64% of its branch deposits. On its Q2 2026 call report, Winnsboro State Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3875 Front St, Winnsboro, LA 71295
- County
- Franklin
- 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
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- September 2, 1902
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $374.8M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $288K
- Average total assets
- $422.4M
- Average total loans
- $330.8M
- Average interest-bearing deposits
- $311.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10533
- Fed RSSD
- 628552
- SEC CIK
- 1930288 → filed by WINNSBORO BANCSHARES, INC.
- Website
- WWW.WINNSBOROBANK.COM →
- Parent Holding Company
- WINNSBORO BANCSHARES, INC. (RSSD 1107081)
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, Winnsboro State Bank & Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Winnsboro State Bank & Trust Company's total assets moved between a low of $336.9M (Q4 2024) and a high of $425.7M (Q2 2026) from Q3 2023 to Q2 2026, 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
$425.7M total assets against $385.6M; $380.6M total liabilities against $344.1M.
$335.0M net loans and leases against $276.0M; $374.8M total deposits against $338.7M.
$42.3M securities against $41.5M; $30.0M cash and balances due against $49.5M.
$6.9M total interest income against $5.9M; $2.3M total interest expense against $2.2M.
$4.7M net interest income against $3.7M.
$450K total noninterest income against $399K; $3.2M total noninterest expense against $2.7M.
$310K provision for credit losses against $81K.
$1.7M net income against $1.3M.
1.57% return on assets against 1.40%; 4.64% net interest margin against 4.14%.
10.85% tier 1 leverage ratio against 11.40%.
Inside the full Winnsboro State Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWinnsboro State Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,080 of 3,640, for Texas Ratio; its furthest is 1,919 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.17% (Q4 2025) to 1.57% (Q2 2026) and its net interest margin ran from 3.93% (Q4 2024) to 4.65% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.57% | 0.94% | 6.28% | 4.64% |
| Q1 2026 | 11.06% | 1.39% | 1.29% | 8.38% | 4.64% |
| Q4 2025 | 11.23% | 1.17% | 1.33% | 8.61% | 4.65% |
| Q3 2025 | 11.23% | 1.38% | 1.04% | 7.20% | 4.32% |
| Q2 2025 | 11.40% | 1.40% | 1.10% | 7.66% | 4.14% |
| Q1 2025 | 12.18% | 1.42% | 1.76% | 11.77% | 4.29% |
| Q4 2024 | 11.76% | 1.32% | 1.81% | 13.52% | 3.93% |
| Q3 2024 | 11.66% | 1.37% | 1.82% | 12.20% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Winnsboro State Bank & Trust Company (main office) | Winnsboro , LA | 71295 | $239.8M |
| Winnsboro State Bank & Trust Company-Rayville Branch | Rayville , LA | 71269 | $64.5M |
| Mangham Branch | Mangham , LA | 71259 | $40.6M |
| Gilbert Branch | Gilbert , LA | 71336 | $19.7M |
| Winnsboro State Bank & Trust Company-Ruston Branch | Ruston , LA | 71270 | $10.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 55 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 247 applications, 232 loans originated, $38.8M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Winnsboro State Bank & Trust Company’s latest filed figures and updates each quarter.
Similar banks
Compare Winnsboro State Bank & Trust Company with peers
Frequently asked about Winnsboro State Bank & Trust Company
What are Winnsboro State Bank & Trust Company's total assets?
As of the Q2 2026 filing, Winnsboro State Bank & Trust Company reported total assets of $425.7 million in its FFIEC call report.
Where is Winnsboro State Bank & Trust Company headquartered?
It is headquartered in Winnsboro, LA, United States.
When was Winnsboro State Bank & Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Winnsboro State Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10533). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Winnsboro State Bank & Trust Company?
Winnsboro State Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Winnsboro State Bank & Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Winnsboro State Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 6.28% 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.
Go deeper on Winnsboro State Bank & Trust Company.
Get an email when Winnsboro State Bank & Trust Company files its next call report, and benchmark it against any peer you choose.
Unlock Winnsboro State Bank & Trust Company, freeFree account