The First National Bank of Winnsboro

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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 285^th largest bank in the state of Texas. It is also the 3,308^th largest bank in the nation. It was established in 1893 and as of March of 2025, it had grown to 29 employees at 3 locations. The First National Bank of Winnsboro has an A+ health rating.

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Health

A+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	5590
Year Established	1893
Employees	29
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	2.08%
Return on Equity - YTD	10.89%
Annual Interest Income	$2.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$161.6MM$163.2MM
Loans	Q1 2025vs Q1 2024	$96.7MM$94MM
Deposits	Q1 2025vs Q1 2024	$123MM$118.3MM
Equity Capital	Q1 2025vs Q1 2024	$31MM$34.4MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.3MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$442K$869K
Real Estate Owned	Q1 2025vs Q1 2024	$0$675K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for The First National Bank of Winnsboro.

Locations

The First National Bank of Winnsboro Locations
Winona-Owentown Branch	11120 State Highway 155 North	Winona, TX 75792
The First National Bank Of Winnsboro	315 N Main St	Winnsboro, TX 75494
South Town Branch	100 E Coke Road	Winnsboro, TX 75494

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