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The First National Bank of Winnsboro


Overview / Commentary
www.fnbwinnsboro.com
903-342-5275
315 North Main Street
Winnsboro, TX 75494

The First National Bank of Winnsboro is headquartered in Winnsboro and is the 300th largest bank in the state of Texas. It is also the 3,529th largest bank in the nation. It was established in 1893 and as of December of 2019, it had grown to 27 employees at 3 locations. The First National Bank of Winnsboro has an A health rating.

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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #5590
Year Established1893
Employees27
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.82%
Return on Equity - YTD9.2%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$135.3MM$137.2MM
LoansQ4 2019vs Q4 2018$87.4MM$85.5MM
DepositsQ4 2019vs Q4 2018$102.9MM$106.9MM
Equity CapitalQ4 2019vs Q4 2018$28.8MM$25.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.1MM$983.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$189.00K$742.00K
Real Estate OwnedQ4 2019vs Q4 2018$1.3MM$1.8MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First National Bank of Winnsboro Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Regular Savings Account

The First National Bank of Winnsboro Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$150k*-Money Market Account
OTHER TIERS: 0.05% → Up to $2.5k | 0.10% → $2.5k - $75k | 0.15% → $75k - $150k

The First National Bank of Winnsboro Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-NOW Checking Account

The First National Bank of Winnsboro CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-60 Month CD
0.75%$1k-36 Month CD
0.75%$1k-48 Month CD
0.70%$25k-30 Month CD (with 2 Bumps)
0.60%$1k-24 Month CD
0.55%$25k-18 Month CD (with 1 Bump)
0.50%$1k-12 Month CD
0.35%$2.5k-6 Month CD
0.20%$2.5k-3 Month CD
0.15%$2.5k-1 Month CD

The First National Bank of Winnsboro IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$100-60 Month Fixed Roth IRA
0.85%$100-60 Month Fixed IRA
0.75%$100-60 Month Variable Roth IRA
0.75%$100-36 Month Fixed IRA
0.75%$100-48 Month Fixed IRA
0.60%$100-24 Month Fixed IRA
0.50%$100-12 Month Fixed IRA
0.50%$100-12 Month Variable IRA
0.50%$100-12 Month Fixed Roth IRA
Locations


The First National Bank of Winnsboro Locations
Winona-Owentown Branch11120 State Highway 155 NorthWinona, TX 75792
The First National Bank Of Winnsboro315 North Main StreetWinnsboro, TX 75494
South Town Branch100 E Coke RoadWinnsboro, TX 75494

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