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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #628552 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ -8
80
Sub-score

Liquidity is strong: brokered 2.1%, loans/deposits 92.1%, cash 6.7% of assets.

Cash / Assets
6.75%
Loans / Deposits
92.11%
Brokered %
2.08%
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
0.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 15.44%, CET1 15.44%, leverage 11.62%.

Tier 1 RBC
15.44%
CET1
15.44%
Leverage
11.62%
No watch items at this period.

Asset Quality

StableQoQ +4
70
Sub-score

Asset quality is stable: Adjusted NPL 1.84%, Texas Ratio 11.0%, NCO YTD 0.03%.

Adjusted NPL
1.84%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.03%
30-89 PD
2.20%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
31
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 55.8%, true coverage 55.8%.

ALLL / Loans
1.02%
Coverage
55.8%
True Loss Coverage
55.8%
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