Winnsboro State Bank & Trust Company: 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: 21.47 percentage points higher than in Q1 2026, at 177.40%. Within Louisiana, Winnsboro State Bank & Trust Company is 37th of 103 on return on assets, 1.57% as of Q2 2026, above the middle of the field. Winnsboro State Bank & Trust Company reported 1.57% on return on assets for Q2 2026, 0.32 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.59% |
| Tangible equity to tangible assets | 10.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 6.89% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 177.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 14.88% |
| Net interest margin | 4.64% |
| Efficiency ratio | 60.74% |
| Yield on earning assets | 6.86% |
| Cost of funds | 2.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.26% |
| Core deposits to total deposits | 76.01% |
| Brokered deposits to total deposits | 0.77% |
| Deposits to assets | 88.05% |
| Securities to assets | 9.94% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.71% | 14.71% | 15.83% | 11.08% | 6.81% |
| Q4 2023 | 15.00% | 15.00% | 16.09% | 11.23% | 1.38% |
| Q1 2024 | 15.29% | 15.29% | 16.37% | 11.30% | 1.37% |
| Q2 2024 | 15.27% | 15.27% | 16.32% | 11.33% | 1.50% |
| Q3 2024 | 15.44% | 15.44% | 16.50% | 11.66% | 1.37% |
| Q4 2024 | 15.27% | 15.27% | 16.33% | 11.76% | 1.32% |
| Q1 2025 | 15.17% | 15.17% | 16.19% | 12.18% | 1.42% |
| Q2 2025 | 15.31% | 15.31% | 16.22% | 11.40% | 1.40% |
| Q3 2025 | 14.76% | 14.76% | 15.65% | 11.23% | 1.38% |
| Q4 2025 | 14.06% | 14.06% | 15.05% | 11.23% | 1.17% |
| Q1 2026 | — | — | — | 11.06% | 1.39% |
| Q2 2026 | — | — | — | 10.85% | 1.57% |
Winnsboro State Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Winnsboro State Bank & Trust Company, 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 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)