Winnsboro State Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Winnsboro State Bank & Trust Company of Winnsboro, LA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 14.88% | 13.31% | +1.57% | 65th above |
| Net Interest Margin | 4.64% | 3.93% | +0.71% | 84th top |
| Efficiency Ratio | 60.74% | 61.14% | -0.40% | 52nd above |
| PPNR / Avg Assets | 1.86% | 1.68% | +0.18% | 66th above |
| Yield on Earning Assets | 6.86% | 5.67% | +1.19% | 93rd top |
| Cost of Funds | 2.42% | 1.88% | +0.54% | 17th bottom |
| Net Interest Spread | 3.97% | 3.32% | +0.65% | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.55% | 0.94% | -0.39% | 43rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 20th bottom |
| ACL / Total Loans | 0.97% | 1.28% | -0.31% | 22nd bottom |
| ACL / NPLs (Coverage) | 177.40% | 1539.29% | -1361.89% | 44th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.89% | 7.33% | -0.44% | 32nd below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 215.28% | 1396.23% | -1180.95% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.85% | 12.14% | -1.29% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.59% | 11.37% | -0.78% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.35% | 11.09% | -0.74% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.26% | 80.63% | +9.63% | 28th below |
| Core Deposit Ratio | 76.01% | 86.86% | -10.85% | 10th bottom |
| Wholesale Funding Ratio | 0.47% | 5.04% | -4.57% | 90th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.41% | 6.85% | +3.56% | 84th top |
| Loan Growth (Y/Y) | 21.49% | 7.90% | +13.59% | 93rd top |
| Deposit Growth (Y/Y) | 10.66% | 6.29% | +4.37% | 85th top |
See Winnsboro State Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Winnsboro State Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Winnsboro State Bank & Trust Company profile, how to read a UBPR, or how this data updates.