Winnsboro State Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Winnsboro State Bank & Trust Company is a locally rooted FDIC-insured community bank based in Winnsboro, LA. Total assets stand at $426M. Returns are notably above industry norms: 1.57% ROA, 14.88% ROE, and 4.64% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.85% exceeds the CBLR threshold. Credit metrics are in line with industry norms, 0.55% NPL ratio. It operates 5 branches, primarily in Louisiana.
As of June 30, 2026, Winnsboro State Bank & Trust Company reported a Tier 1 leverage ratio of 10.85%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.55%, a Texas ratio of 6.89%, per financial data filed with the FFIEC.
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
- Offices
- 5 domestic
- Employees (FTE)
- 74
- Domestic deposits
- $374.8M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $288K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Winnsboro State Bank & Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.85% | 1.57% | 0.55% | 6.89% | 4.64% |
| Q1 2026 | 11.06% | 1.39% | 0.61% | 9.25% | 4.64% |
| Q4 2025 | 11.23% | 1.17% | 0.60% | 9.49% | 4.65% |
| Q3 2025 | 11.23% | 1.38% | 0.64% | 8.09% | 4.32% |
| Q2 2025 | 11.40% | 1.40% | 0.59% | 8.73% | 4.14% |
| Q1 2025 | 12.18% | 1.42% | 0.82% | 12.85% | 4.29% |
| Q4 2024 | 11.76% | 1.32% | 1.04% | 13.52% | 3.93% |
| Q3 2024 | 11.66% | 1.37% | 0.99% | 12.20% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 5 branches →
| 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
What the public regulatory sources show for Winnsboro State Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Winnsboro State Bank & Trust Company headquartered?
Winnsboro State Bank & Trust Company is headquartered in Winnsboro, LA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Winnsboro State Bank & Trust Company founded?
Winnsboro State Bank & Trust Company was established in 1902, per the FDIC institution directory.
Is Winnsboro State Bank & Trust Company FDIC-insured?
Yes. Winnsboro State Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Winnsboro State Bank & Trust Company operate?
Winnsboro State Bank & Trust Company 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?
Winnsboro State Bank & Trust Company's Texas Ratio is 6.89% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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