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Bank of Winnfield & Trust Company

$100M-$1B Specialty: Other LA FDIC cert 9323

Winnfield, LA

2 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 -5.3% year over year ($136.9M on the books).
  • Delinquency rate 0.68%.
  • Return on assets 0.74%.
  • Efficiency ratio 82.70% vs a 64.48% peer average.
  • Loan-to-deposit ratio 41.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Bank of Winnfield & Trust Company has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.24% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.0% in tier
  • - Efficiency Drag: Bottom 19.7% in tier
  • - Liquidity Overhang: Bottom 44.7% in tier
  • - Credit Risk Growth: Bottom 44.8% in tier
  • - ROA 0.58% below tier average
  • - Net Interest Margin 0.12% below tier average
Get updates when Bank of Winnfield & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $156.0M
-3.5% YoY +1.6% QoQ
-$230.6M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $56.7M
+7.0% YoY +7.7% QoQ
-$201.7M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 4.1% in tier
Total Deposits ? $136.9M
-5.3% YoY +1.5% QoQ
-$189.8M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 0.74%
-12.1% YoY +27.0% QoQ
-0.58% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.86%
+4.3% YoY +2.5% QoQ
-0.12% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 82.70%
+5.0% YoY -3.9% QoQ
+18.22% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
Bottom 11.2% in tier
Delinquency Rate ? 0.68%
+105.6% YoY +28.8% QoQ
-0.24% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 41.38%
+13.1% YoY +6.2% QoQ
-36.57% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 4.6% in tier
Non-Interest-Bearing Deposit Share ? 32.78%
-8.2% YoY -7.8% QoQ
+10.75% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 13.1% in tier
Nonperforming Asset Ratio ? 0.26%
+93.6% YoY +34.6% QoQ
-0.41% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
55%
Tier 1 Capital Ratio ? 31.13%
-0.9% YoY -5.4% QoQ
+15.23% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Top 3.7% in tier
Non-Interest Income / Assets ? 0.42%
+2.3% YoY +99.6% QoQ
-0.15% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
Top 13.2% in tier

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 32.8%
-2.9pp YoY
-2.8pp QoQ
 +10.6pp 22.1% 24.6% 22.2% 87%
Brokered Deposits n/a n/a 7.9% 6.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 23.2%
+4.1pp YoY
+1.4pp QoQ
 +11.7pp 11.6% 12.6% 12.5% 92%
CRE n/a n/a 39.5% 44.9% 41.4% n/a
1-4 Family 47.5%
+1.2pp YoY
+0.9pp QoQ
 +14.8pp 32.6% 34.2% 31.3% 80%
Consumer 8.9%
-0.4pp YoY
-1.3pp QoQ
 +4.8pp 4.1% 4.2% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio 31.1%
-0.3pp YoY
-1.8pp QoQ
 +12.3pp 18.8% 22.5% 19.7% 94%
Leverage Ratio 14.4%
+0.8pp YoY
+0.1pp QoQ
 +2.3pp 12.2% 13.4% 12.6% 84%
Total Capital Ratio 32.2%
-0.3pp YoY
-1.9pp QoQ
 +12.2pp 19.9% 23.6% 20.8% 94%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 38
+2 (+5.6%) YoY
0 QoQ
 -21 58 114 482 39%
Assets per Employee ($) $4.1M
-8.6% YoY
+1.6% QoQ
 -$3.4M $7.5M $6.8M $8.8M 5%
Branch Count 2
0 YoY
0 QoQ
 -3 4 9 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
+0.3pp YoY
+0.2pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 87%
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage 1.93x
-54.9% YoY
-28.2% QoQ
 -22.22x 24.15x 27.36x 20.23x 46%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 6.7%
-2.4pp YoY
+1.4pp QoQ
 -5.5pp 12.2% 12.5% 11.6% 19%
Cost of Funds (YTD) 0.7%
0.0pp YoY
0.0pp QoQ
 -1.0pp 1.7% 1.7% 1.7% 4%
Net Income ($, YTD) $576,000
-14.0% YoY
— QoQ
 -$2.0M $2.6M $5.1M $40.4M 12%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Deposit Outflow

decline
#28 of 535 • Bottom 5.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#72 of 361 • Bottom 19.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.70%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#333 of 742 • Bottom 44.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 31.13%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 41.38%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#420 of 936 • Bottom 44.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

99
Tier 1 Capital Ratio
capital
Value: 31.13%
Peer Median: 15.91%
#99 of 2643 Top 3.7% in $100M-$1B
122
Loan-to-Deposit Ratio
liquidity
Value: 41.38%
Peer Median: 77.95%
#122 of 2643 Top 4.6% in $100M-$1B
347
Non-Interest-Bearing Deposit Share
funding
Value: 32.78%
Peer Median: 22.03%
#347 of 2643 Top 13.1% in $100M-$1B
349
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.57%
#349 of 2643 Top 13.2% in $100M-$1B

Top Weaknesses (5 metrics)

2535
Total Loans
size
Value: $56.65M
Peer Median: $258.35M
#2535 of 2643 Bottom 4.1% in $100M-$1B
2348
Efficiency Ratio
profitability
Value: 82.70%
Peer Median: 64.48%
#2348 of 2643 Bottom 11.2% in $100M-$1B
2224
Total Assets
size
Value: $155.97M
Peer Median: $386.57M
#2224 of 2643 Bottom 15.9% in $100M-$1B
2183
Total Deposits
size
Value: $136.92M
Peer Median: $326.73M
#2183 of 2643 Bottom 17.4% in $100M-$1B
2099
Return on Assets
profitability
Value: 0.74%
Peer Median: 1.32%
#2099 of 2643 Bottom 20.6% in $100M-$1B
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