BlastPoint's Banking Scorecard
The First National Bank of Winnsboro
Micro
Specialty: Commercial
TX
FDIC cert 5590
Designations: ✓ Community bank
Winnsboro, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The First National Bank of Winnsboro demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.48% above tier
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.8M
-2.1% YoY
-1.4% QoQ
|
-$61.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$90.7M
-7.9% YoY
-5.1% QoQ
|
-$48.5M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$120.2M
+3.7% YoY
-0.7% QoQ
|
-$63.5M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.95%
+80.6% YoY
-7.1% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.33%
+3.2% YoY
+0.6% QoQ
|
+1.48% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
56.25%
-31.5% YoY
+7.8% QoQ
|
-11.48% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.08%
-81.2% YoY
|
-0.56% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
75.42%
-11.2% YoY
-4.5% QoQ
|
+0.89% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
35.94%
-0.6% YoY
-2.8% QoQ
|
+13.55% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-82.3% YoY
|
-0.40% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.69%
-68.1% YoY
+37.7% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.33%
(Tier avg: 3.85%, National avg: 3.75%)
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
95
95th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.94% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
78
78th pctile
Efficiency Ratio
Current: 56.25% · Tier avg: 67.73%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.42% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Assets
Current: $155.8M · Tier avg: $217.5M
39
39th pctile
Total Loans
Current: $90.7M · Tier avg: $139.2M
35
35th pctile
Total Deposits
Current: $120.2M · Tier avg: $183.7M
Top Weaknesses
35
35th pctile
Total Deposits
Current: $120.2M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $90.7M · Tier avg: $139.2M
40
40th pctile
Total Assets
Current: $155.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.42% · Tier avg: 74.53%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
78
78th pctile
Efficiency Ratio
Current: 56.25% · Tier avg: 67.73%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.94% · Tier avg: 22.39%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.85%