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The First National Bank Of Winnsboro
Winnsboro, TX · FDIC Certificate #5590 · Chartered 01/0
Total assets
$158.22M
Total deposits
$121.42M
Total equity
$33.83M
Net loans
$100.28M
Branches (offices)
3
Net income (YTD)
$1.51M
Rank: #3,246 of 4,213 U.S. banks by assets · #275 of 346 in Texas. Assets changed -1.3% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.92% |
| Return on equity | 9.18% |
| Net interest margin (YTD) | 5.19% |
| Equity to assets | 21.38% |
| Tier 1 leverage ratio | 22.72% |
| Uninsured deposits (share of deposits) | 14.7% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 82.6% |
| Real estate loans (share of loans) | 87.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $87.32M | 87.1% | |
| Commercial & industrial | $8.27M | 8.2% | |
| Consumer / individual | $2.82M | 2.8% | |
| Construction & development | $11.46M | 11.4% | |
| Agricultural | $3.30M | 3.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $152.77M | $122.28M | $631.00K | $27.57M |
| Jun 2023 | $161.32M | $126.17M | $1.61M | $30.54M |
| Jun 2024 | $159.80M | $116.17M | $3.38M | $35.18M |
| Jun 2025 | $160.38M | $122.38M | $1.67M | $31.27M |
| Jun 2026 | $158.22M | $121.42M | $1.51M | $33.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $121.42M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $121.42M.
Similar-sized banks
First Southeast Bank ($158.29M) · Perennial Bank ($158.13M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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