Winnsboro State Bank & Trust Company: how it compares with its peers
Against 50 LA banks with half to twice its assets, Winnsboro State Bank & Trust Company's strongest measure in Q2 2026 is net interest margin (4.69% vs. a 4.34% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $5.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.27% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.69% | 4.34% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.54% | 65.32% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $5.9M | Middle third Ahead of 46% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.38% | 81.02% | Context |
What it means for lending operations
Its efficiency ratio of 62.54% is better than the 65.32% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First National Bank in DeRidder Deridder, LA · $419M
- Bank of Zachary Zachary, LA · $416M
- Bank of St. Francisville Saint Francisville, LA · $399M
- Southern Heritage Bank Jonesville, LA · $398M
- Guaranty Bank & Trust Company of Delhi, Louisiana Delhi, LA · $457M
- The Bank Jennings, LA · $462M
Questions about Winnsboro State Bank & Trust Company
How big is Winnsboro State Bank & Trust Company?
Winnsboro State Bank & Trust Company, established in 1902, is headquartered in Winnsboro, LA. It reported $426M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Winnsboro State Bank & Trust Company's return on assets?
1.48% annualized in Q2 2026, against a 1.27% median for 50 LA banks with half to twice its assets, ahead of 62% of them.
What is Winnsboro State Bank & Trust Company's efficiency ratio?
62.54% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 65.32%, and lower is better.
Is Winnsboro State Bank & Trust Company growing its loans?
Net loans grew 21.4% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.