BlastPoint's Banking Scorecard
Winnsboro State Bank & Trust Company
Micro
Specialty: Agricultural
LA
FDIC cert 10533
Designations: ✓ Community bank
Winnsboro, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Winnsboro State Bank & Trust Company shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.0M
+17.8% YoY
+4.1% QoQ
|
+$179.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$306.1M
+20.3% YoY
+4.7% QoQ
|
+$166.9M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$340.8M
+20.0% YoY
+2.6% QoQ
|
+$157.2M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.35%
-3.2% YoY
-4.7% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.43%
+9.9% YoY
+1.7% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
65.22%
+1.5% YoY
-0.4% QoQ
|
-2.51% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
1.34%
-26.4% YoY
+28.1% QoQ
|
+0.70% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
89.81%
+0.2% YoY
+2.1% QoQ
|
+15.28% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
16.04%
-3.0% YoY
+2.1% QoQ
|
-6.36% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.07%
-32.3% YoY
+13.7% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
14.06%
-7.9% YoY
-4.7% QoQ
|
+5.21% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.44%
-18.7% YoY
+29.6% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Loans
Current: $306.1M · Tier avg: $139.2M
88
88th pctile
Total Deposits
Current: $340.8M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $397.0M · Tier avg: $217.5M
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
53
53th pctile
Efficiency Ratio
Current: 65.22% · Tier avg: 67.73%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.04% · Tier avg: 22.39%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.81% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.81% · Tier avg: 74.53%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 16.04% · Tier avg: 22.39%
53
53th pctile
Efficiency Ratio
Current: 65.22% · Tier avg: 67.73%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
77
77th pctile
Net Interest Margin
Current: 4.43% · Tier avg: 3.85%
88
88th pctile
Total Assets
Current: $397.0M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $340.8M · Tier avg: $183.7M
93
93th pctile
Total Loans
Current: $306.1M · Tier avg: $139.2M