Winnsboro State B&T Co (FDIC #10533): Bank Stress & Real-Estate Credit Exposure
Winnsboro State B&T Co (FDIC Cert #10533): bank stress 59/100, moderate, STABLE over 7 days; parent WINNSBORO BANCSHARES INC.
Winnsboro State B&T Co (#10533) lends in 3 counties across 1 state; Winnsboro State B&T Co (#10533) reaches 22 ZIP codes: Louisiana 3 counties, 22 ZIPs.
Winnsboro State B&T Co (#10533) largest markets: Lincoln County, LA (8 branches, 8 ZIPs) (#10533), Richland County, LA (16 branches, 8 ZIPs) (#10533), Franklin County, LA (14 branches, 7 ZIPs) (#10533).
Winnsboro State B&T Co (#10533) reports $425.7 million in total assets; Winnsboro State B&T Co (#10533) equity $45.1 million (10.6% of Winnsboro State B&T Co (#10533) assets); Winnsboro State B&T Co (#10533) domestic deposits $374.8 million; Winnsboro State B&T Co (#10533) net income $3.1 million; Winnsboro State B&T Co (#10533) return on assets 1.48%; Winnsboro State B&T Co (#10533) return on equity 13.91%; Winnsboro State B&T Co (#10533) net interest income $9.1 million; Winnsboro State B&T Co (#10533) call report June 30, 2026.
Winnsboro State B&T Co (#10533) noncurrent real-estate loans 0.14% of its book; Winnsboro State B&T Co (#10533) net charge-offs on real estate 0.21%.
Winnsboro State B&T Co (#10533) net interest margin 4.69% against an eight-quarter Winnsboro State B&T Co (#10533) average of 4.34% (Winnsboro State B&T Co (#10533) compression -0.35 points); Winnsboro State B&T Co (#10533) real-estate loans 13.6% of equity; Winnsboro State B&T Co (#10533) rate-exposure score 40/100, Winnsboro State B&T Co (#10533) fixed-rate trap 40/100; Winnsboro State B&T Co (#10533) risk type credit driven; Winnsboro State B&T Co (#10533) rate regime rates elevated, Winnsboro State B&T Co (#10533) snapshot October 20, 2026.
Winnsboro State B&T Co (#10533) stress score moved from 59.2 on June 22, 2026 to 58.8 on October 20, 2026; Winnsboro State B&T Co (#10533) ranged 58.8 to 59.2 over 117 snapshots.
Winnsboro State B&T Co (#10533) alerts: 3 counties; top Winnsboro State B&T Co (#10533) alert scores: Rayville County, LA 20 (low); Ruston County, LA 20 (low); Winnsboro County, LA 20 (low).