FDIC Cert #10533 · Winnsboro, Louisiana · Est. 1902

Winnsboro State Bank & Trust Company - FDIC Bank Health Profile

A community-scale look at Winnsboro State Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$397M
Total assets
B
Health grade · Good
1.35%
Return on assets
14.1%
Tier 1 capital

Data updated July 2026

The verdict

Winnsboro State Bank & Trust Company earns a PlainBankData health grade of B (79/100), with well-capitalized at 14.06% Tier 1, profitable at 1.35% ROA, 65% efficiency ratio.

#2,089
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
14.06%
Tier 1 ratio - above the 10% well-capitalized line
66th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 10533 · LA B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2100/4307
  • PHOTO-FINISH Ipava State Bank · IL
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 9.0% Texas
  • ROA-STRONG 1.35% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: Ipava State Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Winnsboro State Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Louisiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Franklin · MS · near79/100Dewey Bank · IL · near79/100First State Bank of… · IL · …79/100Ipava State Bank · IL · near79/100Winnsboro State Bank… · LA ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Winnsboro State Bank & Trust Company · July 2026

What Winnsboro State Bank & Trust Company's Call Report plate shows

Winnsboro State Bank & Trust Company (FDIC Cert #10533) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,100 of 4,307. Tier 1 capital prints at 14.06%, clearing the 10% well-capitalized line. The Texas Ratio is 8.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.35%. Balance-sheet scale is $397M, 2,089th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ipava State Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Winnsboro State Bank & Trust Company

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Winnsboro State Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Winnsboro State Bank & Trust Company remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Louisiana banks.

How Winnsboro State Bank & Trust Company's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Winnsboro State Bank & Trust Company's composite health score
Tier 1 Capital Ratio (14.06%) 35/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (8.96%) 16/20
Efficiency Ratio (65.22%) 8/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$397M

Total balance-sheet footings

Total Deposits

$341M

Customer-funded liabilities

Net Loans

$306M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.66% 14.06% 15.46%
Basel III capital ratios - Winnsboro State Bank & Trust Company

Where Winnsboro State Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Winnsboro State Bank & Trust Company's score of 79/100 falls in the highlighted band.

Winnsboro State Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 49% higher than 51% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Winnsboro State Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Winnsboro State Bank & Trust Company's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Winnsboro State Bank & Trust Company's $397M falls in the highlighted band.

Safety ratios for Winnsboro State Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

14.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.06%
Texas Ratio
8.96%
Equity Capital
$43M

What these ratios mean →

Earnings posture at Winnsboro State Bank & Trust Company

Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
12.19%
Efficiency Ratio
65.22%

What these mean →

Income & expense at Winnsboro State Bank & Trust Company

$24M
Interest Income
$2M
Non-Interest Income
$11M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Winnsboro State Bank & Trust Company reports a Texas Ratio of 8.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

8.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Winnsboro State Bank & Trust Company on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

Top 5 banks in Louisiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($397M here), outside Louisiana so the neighborhood is not state containment.

First State Bank Southwest $397M · MN CIBC National Trust Company $397M · GA The Grant County Bank $397M · WV State Bank & Trust $396M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Winnsboro State Bank & Trust Company (FDIC Cert #10533) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Winnsboro State Bank & Trust Company Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%