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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #628552 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +9

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 3.2%, loans/deposits 85.8%, cash 12.9% of assets.

Cash / Assets
12.88%
Loans / Deposits
85.75%
Brokered %
3.21%
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
0.26%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.29%, CET1 15.29%, leverage 11.26%.

Tier 1 RBC
15.29%
CET1
15.29%
Leverage
11.26%
No watch items at this period.

Asset Quality

StableQoQ +2
71
Sub-score

Asset quality is stable: Adjusted NPL 1.29%, Texas Ratio 7.7%, NCO YTD 0.03%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.03%
30-89 PD
2.63%
Band 0.3% / 3.0%
90+ PD
0.94%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +9
47
Sub-score

Reserves are deteriorating: ALLL 1.01% of loans, coverage 79.1%, true coverage 79.1%.

ALLL / Loans
1.01%
Coverage
79.1%
True Loss Coverage
79.1%
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