Total Assets
$397M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$341M
Customer-funded liabilities
Net Loans
$306M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.35%
Return on Equity (ROE)
12.19%
Efficiency Ratio
65.22%
What the numbers say about Winnsboro State Bank & Trust Company
Winnsboro State Bank & Trust Company is an FDIC-insured institution (Certificate #10533) headquartered in Winnsboro, Louisiana, established in 1902. It holds $397M in total assets - 2,089th of 4,313 FDIC-insured banks, $341M in customer deposits, and $306M in net loans. Capital-wise, the Tier 1 ratio sits at 14.06%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 8.96%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (79 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Winnsboro State Bank & Trust Company sits 50th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$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.
Top banks in Louisiana by total assets
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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Winnsboro State Bank & Trust Company's health grade?▼
Winnsboro State Bank & Trust Company receives a health grade of B (79/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Winnsboro State Bank & Trust Company?▼
Winnsboro State Bank & Trust Company holds $397M in total assets and $341M in deposits, ranking 2,089th of 4,313 FDIC-insured banks by asset size. It is headquartered in Winnsboro, Louisiana.
Is my money safe at Winnsboro State Bank & Trust Company?▼
Yes, deposits at Winnsboro State Bank & Trust Company (Certificate #10533) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Winnsboro State Bank & Trust Company's Tier 1 Capital Ratio?▼
Winnsboro State Bank & Trust Company has a Tier 1 Capital Ratio of 14.06%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Winnsboro State Bank & Trust Company?▼
Winnsboro State Bank & Trust Company has a Texas Ratio of 8.96%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Winnsboro State Bank & Trust Company?▼
Winnsboro State Bank & Trust Company has an Efficiency Ratio of 65.22%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Winnsboro State Bank & Trust Company's profile as a depositor or analyst.
- Winnsboro State Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Winnsboro State Bank & Trust Company against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.