BlastPoint's Banking Scorecard

Bank of Winnfield & Trust Company

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

Winnfield, LA

2 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Bank of Winnfield & Trust Company has 2 strengths but faces 5 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

+ Non-Interest-Bearing Deposit Share 13.53% above tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 17.8% in tier
- Efficiency Drag: Bottom 29.5% in tier
- Liquidity Overhang: Bottom 46.5% in tier
- ROA 0.68% below tier average
- Net Interest Margin 0.16% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$153.5M -4.4% YoY -1.0% QoQ	-$232.6M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	15%
Total Loans ?	$52.6M -1.4% YoY -0.7% QoQ	-$203.1M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 3.5% in tier
Total Deposits ?	$134.9M -6.4% YoY -0.8% QoQ	-$193.1M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	0.59% -10.4% YoY -39.8% QoQ	-0.68%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.77% +3.9% YoY -0.2% QoQ	-0.16%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	86.09% +3.6% YoY +12.6% QoQ	+20.81%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	Bottom 9.4% in tier
Delinquency Rate ?	0.52% +833.1% YoY -9.1% QoQ	-0.36%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	38.98% +5.3% YoY +0.1% QoQ	-37.66%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 3.9% in tier
Non-Interest-Bearing Deposit Share ?	35.55% -0.7% YoY -1.3% QoQ	+13.53%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 9.2% in tier
Nonperforming Asset Ratio ?	0.19% +463.7% YoY -8.5% QoQ	-0.45%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	32.91% +7.1% YoY +6.1% QoQ	+17.08%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Top 2.9% in tier
Non-Interest Income / Assets ?	0.21% +1.5% YoY -76.0% QoQ	-0.07%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	Top 12.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Deposit Outflow

decline

#91 of 506 • Bottom 17.8% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#123 of 414 • Bottom 29.5% in tier

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

Why this signature

Efficiency Ratio: 86.09%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Liquidity Overhang

risk

#345 of 739 • Bottom 46.5% 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: 32.91%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 38.98%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Tier 1 Capital Ratio

capital

Value: 32.91%

Peer Median: 15.83%

#77 of 2664 Top 2.9% in $100M-$1B

106

Loan-to-Deposit Ratio

liquidity

Value: 38.98%

Peer Median: 76.64%

#106 of 2664 Top 3.9% in $100M-$1B

246

Non-Interest-Bearing Deposit Share

funding

Value: 35.55%

Peer Median: 22.02%

#246 of 2664 Top 9.2% in $100M-$1B

330

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#330 of 2664 Top 12.3% in $100M-$1B

Top Weaknesses (5 metrics)

2573

Total Loans

size

Value: $52.58M

Peer Median: $255.72M

#2573 of 2664 Bottom 3.5% in $100M-$1B

2414

Efficiency Ratio

profitability

Value: 86.09%

Peer Median: 65.29%

#2414 of 2664 Bottom 9.4% in $100M-$1B

2263

Total Assets

size

Value: $153.52M

Peer Median: $386.08M

#2263 of 2664 Bottom 15.1% in $100M-$1B

2249

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.27%

#2249 of 2664 Bottom 15.6% in $100M-$1B

2217

Total Deposits

size

Value: $134.90M

Peer Median: $327.97M

#2217 of 2664 Bottom 16.8% in $100M-$1B