BlastPoint's Banking Scorecard
Winnsboro State Bank & Trust Company
Designations: ✓ CDFI-certified
Winnsboro, LA
5 branches across LA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
- Deposits +10.7% year over year ($374.8M on the books).
- Delinquency rate 0.94%.
- Return on assets 1.48%.
- Efficiency ratio 62.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Winnsboro State Bank & Trust Company shows strong momentum with 3 strengths and 10.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.70% above tier average
- + Efficiency Ratio 1.94% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$425.7M
+10.4% YoY
+3.2% QoQ
|
+$39.1M |
$386.6M
+1.2% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$335.0M
+21.4% YoY
+6.2% QoQ
|
+$76.7M |
$258.3M
+1.7% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$374.8M
+10.7% YoY
+3.1% QoQ
|
+$48.1M |
$326.7M
+0.7% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.48%
+5.5% YoY
+7.0% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.69%
+10.1% YoY
+0.8% QoQ
|
+0.70% |
3.99%
+5.0% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
62.54%
-5.2% YoY
-2.3% QoQ
|
-1.94% |
64.48%
-3.2% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.94%
-14.9% YoY
-27.4% QoQ
|
+0.03% |
0.92%
+15.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
89.38%
+9.7% YoY
+3.0% QoQ
|
+11.43% |
77.95%
+1.0% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
15.63%
+3.2% YoY
-4.2% QoQ
|
-6.40% |
22.03%
-0.6% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.76%
-20.7% YoY
-25.2% QoQ
|
+0.10% |
0.67%
+16.4% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.85%
-29.1% YoY
-1.9% QoQ
|
-5.06% |
15.91%
+1.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.20%
-5.3% YoY
+105.9% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
+0.5pp YoY -0.7pp QoQ |
-6.5pp | 22.1% | 24.6% | 22.2% | 26% |
| Brokered Deposits |
0.8%
-1.2pp YoY 0.0pp QoQ |
-7.1pp | 7.9% | 6.7% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
-0.8pp YoY -0.2pp QoQ |
-3.5pp | 11.6% | 12.6% | 12.5% | 41% |
| CRE |
25.5%
+1.4pp YoY -1.4pp QoQ |
-14.1pp | 39.5% | 44.9% | 41.4% | 27% |
| 1-4 Family |
22.9%
+1.2pp YoY +0.3pp QoQ |
-9.8pp | 32.6% | 34.2% | 31.3% | 36% |
| Consumer |
3.2%
-0.4pp YoY 0.0pp QoQ |
-0.9pp | 4.1% | 4.2% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.5% | 19.7% | n/a |
| Leverage Ratio |
10.9%
-0.5pp YoY -0.2pp QoQ |
-1.3pp | 12.2% | 13.4% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
74
+7 (+10.4%) YoY +3 (+4.2%) QoQ |
+15 | 58 | 114 | 482 | 73% |
| Assets per Employee ($) |
$5.8M
0.0% YoY -1.0% QoQ |
-$1.8M | $7.5M | $6.8M | $8.8M | 28% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.1pp YoY -0.3pp QoQ |
+0.1pp | 0.3% | 0.4% | 0.4% | 78% |
| Nonaccrual |
0.6%
0.0pp YoY -0.1pp QoQ |
-0.4pp | 0.9% | 1.4% | 1.0% | 55% |
| Allowance Coverage |
1.03x
+31.7% YoY +39.8% QoQ |
-23.12x | 24.15x | 27.36x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.2%
-0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+1.2pp YoY +1.0pp QoQ |
+1.7pp | 12.2% | 12.5% | 11.6% | 61% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$3.1M
+20.1% YoY — QoQ |
+$502K | $2.6M | $5.1M | $40.4M | 70% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.