Winnsboro State Bank & Trust Company
Winnsboro, LA
IDRSSD: 628552
Total Assets
$397.02M
Latest filing
Total Deposits
$340.82M
Latest filing
Net Interest Margin
4.67%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Winnsboro State Bank & Trust Company
3875 Front St
Winnsboro, LA 71295
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/02/1902FDIC Certificate 6746
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Winnsboro State Bank & Trust Company (Main) | 3875 Front St | Winnsboro, LA |
| MANGHAM BRANCH | 410 Horace Street | Mangham, LA |
| GILBERT BRANCH | 7518 Gilbert St | Gilbert, LA |
| WINNSBORO STATE BANK & TRUST COMPANY-RAYVILLE BRANCH | 1907 Highway 425 | Rayville, LA |
| WINNSBORO STATE BANK & TRUST COMPANY-RUSTON BRANCH | 1715 Celebrity Drive | Ruston, LA |
Showing 4 of 4
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 09/02/1902 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 71295 |
| State and County Number | 22041 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| 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 | 68 |
| Domestic Offices | 5 |
| 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.WINNSBOROBANK.COM |
| Data Updated | 01/30/2026 |
| CERT | 10533 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $397.02M |
| Total Deposits | $340.82M |
| Total Liabilities | $354.02M |
| Total Equity Capital | $43.00M |
| Net Income | $1.14M |
| Net Loans and Leases | $306.08M |
| Assets Per Employee ($Millions) | $5.75M |
| Bank Premises and Fixed Assets | $8.25M |
| Cash and Balances due from Depository Institutions | $25.65M |
| Deposits Held in Domestic Offices | $340.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.17% |
| Return on Equity (ROE) | 10.56% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 64.49% |
| Tier 1 Risk-Based Capital Ratio | 14.063% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.53% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.83% |
| Earning Assets to total Assets | 94.53% |
Income and Expense
| Total Interest Income | $6.39M |
| Total Noninterest Income | $450.00k |
| Total Interest Expense | $2.11M |
| Total Noninterest Expense | $3.08M |
| Net Interest Income | $4.28M |
| Pre-tax Net Operating Income | $1.14M |
| Provision for Credit Losses | $515.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $130.00k |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.20M |
| Total Liabilities and Capital | $397.02M |
Securities
| Securities | $44.77M |
| Available-for-sale debt securities | $44.77M |
| 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 Winnsboro State Bank & Trust Company?
$397.02M as of the latest filing.
How much are Winnsboro State Bank & Trust Company's total deposits?
$340.82M in total deposits.
Where is Winnsboro State Bank & Trust Company located?
Winnsboro, LA.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
5.
When was it established?
09/02/1902.
What is the Return on Assets (ROA)?
1.17%.
How much are total loans and leases?
$306.08M (latest filing).
What is the total interest income (latest filing)?
$6.39M.