Winnsboro State Bank & Trust Company


Winnsboro State Bank & Trust Company is an FDIC insured institution headquartered at 3875 Front St, Winnsboro, LA 71295.
It was founded in 1902 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - April 22, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10533
Date Established 1902
Assets $ 336.91 million
Loans $ 254.45 million
Deposits $ 283.90 million
Capital $ 38.08 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 19.82 million
Interest-bearing balances $ 15.33 million
Total securities $ 43.91 million
Federal funds sold and reverse repurchase $ 2.00 million
Net loans and leases $ 254.45 million
Loan loss allowance $ 2.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.67 million
Goodwill and other intangibles $ 1.33 million
All other assets $ 5.13 million
     Total Assets $ 298.84 million

LIABILITIES
Total deposits $ 283.90 million
      Interest-bearing deposits $ 236.96 million
      Deposits held in domestic offices $ 283.90 million
      % insured (estimated)" 78.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 0.98 millionn
      Total Liabilities $ 298.84 million
      Shareholders’ Equity $ 38.08 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 21.32 million
Total Interest Expense $ 8.17 million
Net interest income $ 13.15 million
Provision for loan and lease losses $ 0.41 million
Total non interest income $ 1.81 million
Total non interest expense $ 9.74 million
Pre-tax Net Operating Income $ 2.03 million

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Winnsboro State Bank & Trust Company Locations