Winnsboro State Bank & Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.65 percentage points in Q2 2026, from 87.61% to 90.26%. It was the largest change from Q1 2026 among the key lines here. Winnsboro State Bank & Trust Company ranks 30th of 103 Louisiana banks on loan-to-deposit ratio, in the upper half at 90.26% (Q2 2026). Winnsboro State Bank & Trust Company reported 90.26% on loan-to-deposit ratio for Q2 2026, 9.42 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $338.3M |
| Net loans and leases | $335.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.47% |
| Loan-to-deposit ratio | 90.26% |
| Net loans to equity capital | 7.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.63% |
| Multifamily (5+ residential) | 4.12% |
| Commercial and industrial | 7.98% |
| Consumer | 3.18% |
| Credit cards | 0.00% |
| Farm | 33.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 127.32% |
| Construction concentration (Tier 1 capital + allowance) | 51.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.68% |
| Interest income on loans | $6.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $253.5M | $286.7M | 15.23% | 7.95% | 4.01% |
| Q4 2023 | $248.5M | $280.6M | 15.77% | 8.10% | 4.16% |
| Q1 2024 | $247.7M | $285.9M | 15.43% | 8.11% | 4.21% |
| Q2 2024 | $259.3M | $288.6M | 14.43% | 8.67% | 4.22% |
| Q3 2024 | $262.3M | $281.8M | 14.96% | 9.52% | 4.00% |
| Q4 2024 | $257.1M | $283.9M | 14.93% | 9.51% | 3.93% |
| Q1 2025 | $270.9M | $317.6M | 14.77% | 8.90% | 3.71% |
| Q2 2025 | $278.4M | $338.7M | 13.66% | 8.79% | 3.62% |
| Q3 2025 | $294.9M | $332.3M | 13.28% | 8.54% | 3.40% |
| Q4 2025 | $309.0M | $340.8M | 15.38% | 7.92% | 3.31% |
| Q1 2026 | $318.5M | $363.5M | 14.73% | 8.19% | 3.14% |
| Q2 2026 | $338.3M | $374.8M | 13.63% | 7.98% | 3.18% |
Winnsboro State Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Winnsboro State Bank & Trust Company, freeSource: Call Report Schedule RC-C, 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 Winnsboro State Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10533) · FFIEC NIC profile (RSSD 628552)