BlastPoint's Banking Scorecard
Bank of Winnfield & Trust Company
Micro
Specialty: Other
LA
FDIC cert 9323
Designations: ✓ Community bank
Winnfield, LA
2498
banks in Micro tier nationally
66 in LA
View Micro leaderboard (LA) →
Bank of Winnfield & Trust Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 35.59% below tier
- + Tier 1 Capital Ratio 22.18% 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 (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.0M
+1.5% YoY
+0.1% QoQ
|
-$62.5M |
$217.5M
+2.3% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$53.0M
+1.7% YoY
+0.9% QoQ
|
-$86.2M |
$139.2M
+2.8% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$136.0M
-0.7% YoY
-0.2% QoQ
|
-$47.6M |
$183.7M
+1.8% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.97%
-3.2% YoY
+2.3% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.78%
+5.8% YoY
+0.1% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
76.46%
+1.9% YoY
-0.3% QoQ
|
+8.73% |
67.73%
-4.8% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.58%
+2.4% YoY
|
-0.06% |
0.64%
+24.4% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
38.94%
+2.3% YoY
+1.1% QoQ
|
-35.59% |
74.53%
+0.5% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.00%
+1.8% YoY
-3.3% QoQ
|
+13.61% |
22.39%
-1.3% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-0.6% YoY
+744.2% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
31.04%
-1.6% YoY
-3.7% QoQ
|
+22.18% |
8.85%
-3.4% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.88%
+3.9% YoY
+33.0% QoQ
|
+0.32% |
0.56%
+0.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.94%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
31.04%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 31.04% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.94% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.00% · Tier avg: 22.39%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
41
41th pctile
Total Deposits
Current: $136.0M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $155.0M · Tier avg: $217.5M
26
26th pctile
Efficiency Ratio
Current: 76.46% · Tier avg: 67.73%
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
Top Weaknesses
22
22th pctile
Total Loans
Current: $53.0M · Tier avg: $139.2M
26
26th pctile
Efficiency Ratio
Current: 76.46% · Tier avg: 67.73%
39
39th pctile
Total Assets
Current: $155.0M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $136.0M · Tier avg: $183.7M
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.00% · Tier avg: 22.39%
90
90th pctile
Non-Interest Income / Assets
Current: 0.88% · Tier avg: 0.56%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.94% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 31.04% · Tier avg: 8.85%