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Winnsboro State Bank & Trust Company
Winnsboro, LA · FDIC Certificate #10533 · Chartered 09/0
Total assets
$425.69M
Total deposits
$374.81M
Total equity
$45.10M
Net loans
$335.01M
Branches (offices)
5
Net income (YTD)
$3.06M
Rank: #1,975 of 4,213 U.S. banks by assets · #46 of 103 in Louisiana. Assets changed 10.4% and deposits 10.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 13.91% |
| Net interest margin (YTD) | 4.69% |
| Equity to assets | 10.59% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 24.6% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 89.4% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $274.72M | 82.0% | |
| Commercial & industrial | $26.99M | 8.1% | |
| Consumer / individual | $10.75M | 3.2% | |
| Construction & development | $25.25M | 7.5% | |
| Agricultural | $24.48M | 7.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $297.27M | $258.31M | $2.03M | $27.98M |
| Jun 2023 | $327.97M | $277.72M | $2.40M | $28.92M |
| Jun 2024 | $354.67M | $288.57M | $2.49M | $37.93M |
| Jun 2025 | $385.56M | $338.70M | $2.55M | $41.49M |
| Jun 2026 | $425.69M | $374.81M | $3.06M | $45.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Louisiana | $374.81M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $374.81M.
Similar-sized banks
Bank Of Mauston ($426.70M) · Texas State Bank ($425.54M)
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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