The First National Bank of Winnsboro

BankWinnsboro, Texas
www.fnbwinnsboro.com

Total Assets

$155.8M

Total Deposits

$120.2M

Branches

3

Established

1893

TFS Health Grade

$
C

76.2 / 100

Average financial health

How we grade

The First National Bank of Winnsboro is a bank headquartered in Winnsboro, Texas, established in 1893. With $155.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (76.2/100).

Capital & Safety

Tier 1 Capital Ratio
21.54%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.08%

Profitability

Return on Assets (ROA)
1.95%(1%)
Return on Equity (ROE)
9.90%(10%)
Net Interest Margin
5.33%
Efficiency Ratio
56.25%(60%)

Lending & Liquidity

Total Loans
$92.0M
Loan-to-Deposit Ratio
75.42%
Net Charge-Off Ratio
-0.02%

Growth

Asset Growth (YoY)
-2.11%
Deposit Growth (YoY)
+3.67%
Net Income
$3.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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