The First National Bank of Winnsboro
Winnsboro, TX
IDRSSD: 501767
Total Assets
$155.84M
Latest filing
Total Deposits
$120.20M
Latest filing
Net Interest Margin
5.40%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank of Winnsboro
315 N Main St
Winnsboro, TX 75494
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1893FDIC Certificate 3805
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank of Winnsboro (Main) | 315 N Main St | Winnsboro, TX |
| SOUTH TOWN BRANCH | 100 E Coke Rd | Winnsboro, TX |
| WINONA-OWENTOWN BRANCH | 11120 State Highway 155 North | Winona, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75494 |
| State and County Number | 48499 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fnbwinnsboro.com |
| Data Updated | 01/30/2026 |
| CERT | 5590 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $155.84M |
| Total Deposits | $120.20M |
| Total Liabilities | $123.66M |
| Total Equity Capital | $32.18M |
| Net Income | $587.00k |
| Net Loans and Leases | $90.66M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $2.19M |
| Cash and Balances due from Depository Institutions | $20.74M |
| Deposits Held in Domestic Offices | $120.20M |
Key Performance Ratios
| Return on Assets (ROA) | 1.5% |
| Return on Equity (ROE) | 7.29% |
| Net Interest Margin | 5.4% |
| Efficiency Ratio | 68.38% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 20.652% |
| Earning Assets to total Assets | 87.88% |
Income and Expense
| Total Interest Income | $2.31M |
| Total Noninterest Income | $282.00k |
| Total Interest Expense | $438.00k |
| Total Noninterest Expense | $1.47M |
| Net Interest Income | $1.87M |
| Pre-tax Net Operating Income | $681.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.45M |
| Total Liabilities and Capital | $155.84M |
Securities
| Securities | $30.29M |
| Available-for-sale debt securities | $30.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Winnsboro?
$155.84M as of the latest filing.
How much are The First National Bank of Winnsboro's total deposits?
$120.20M in total deposits.
Where is The First National Bank of Winnsboro located?
Winnsboro, TX.
What is the Net Interest Margin?
5.40%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1893.
What is the Return on Assets (ROA)?
1.5%.
How much are total loans and leases?
$90.66M (latest filing).
What is the total interest income (latest filing)?
$2.31M.