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Winnsboro State Bank And Trust Company

IDRSSD: 628552
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2023-Q4QoQ -17

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #628552 2023-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.22%.

What changed this quarter

Compared to Q3 2023:
↓ -17 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
86
Sub-score

Liquidity is strong: brokered 7.1%, loans/deposits 87.7%, cash 10.8% of assets.

Cash / Assets
10.82%
Loans / Deposits
87.68%
Brokered %
7.14%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.00%, CET1 15.00%, leverage 11.18%.

Tier 1 RBC
15.00%
CET1
15.00%
Leverage
11.18%
No watch items at this period.

Asset Quality

StableQoQ -30
69
Sub-score

Asset quality is stable: Adjusted NPL 1.55%, Texas Ratio 9.5%, NCO YTD 0.52%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.52%
30-89 PD
1.61%
Band 0.3% / 3.0%
90+ PD
1.22%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.22%.

Reserves

Risk
38
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 65.7%, true coverage 65.7%.

ALLL / Loans
1.01%
Coverage
65.7%
True Loss Coverage
65.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 01:22:38 UTC