The First National Bank of Winnsboro

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.75%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.25%	1-year CD	2.65% - Barclays 12 Month Online CD
0.10%	Savings	2.00% - Ally Bank Online Savings Account

View all The First National Bank of Winnsboro rates »

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 300^th largest bank in the state of Texas. It is also the 3,581^st largest bank in the nation. It was established in 1893 and as of September of 2018, it had grown to 32 employees at 3 locations. The First National Bank of Winnsboro's CD rates are 39% higher than the national average, and it has an A health rating.

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Health

A

Data as of Q3 2018

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Health Grade Components

Overall
FDIC Certificate #	5590
Year Established	1893
Employees	32
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.2%
Return on Equity - YTD	6.41%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$138.1MM$139.8MM
Loans	Q3 2018vs Q3 2017	$87.6MM$86.6MM
Deposits	Q3 2018vs Q3 2017	$108.0MM$107.6MM
Equity Capital	Q3 2018vs Q3 2017	$26.5MM$25.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$902.00K$1.1MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$361.00K$1.5MM
Real Estate Owned	Q3 2018vs Q3 2017	$1.8MM$216.00K

Rates

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Money Market
Checking
CD
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$100	-	Regular Savings Account

The First National Bank of Winnsboro Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$150k^*	-	Money Market Account
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $75k \| 0.20% → $75k - $150k

The First National Bank of Winnsboro Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$1k	-	NOW Checking Account

The First National Bank of Winnsboro CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$1k	-	60 Month CD
1.70%	$1k	-	48 Month CD
1.65%	$1k	-	36 Month CD
1.60%	$25k	-	30 Month CD (with 2 Bumps)
1.55%	$1k	-	24 Month CD
1.50%	$25k	-	18 Month CD (with 1 Bump)
1.25%	$1k	-	12 Month CD
0.75%	$2.5k	-	6 Month CD
0.50%	$2.5k	-	3 Month CD
0.25%	$2.5k	-	1 Month CD

The First National Bank of Winnsboro IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$100	-	60 Month Fixed Roth IRA
1.75%	$100	-	60 Month Variable Roth IRA
1.75%	$100	-	60 Month Fixed IRA
1.70%	$100	-	48 Month Fixed IRA
1.65%	$100	-	36 Month Fixed IRA
1.55%	$100	-	24 Month Fixed IRA
1.25%	$100	-	12 Month Fixed IRA
1.25%	$100	-	12 Month Variable IRA
1.25%	$100	-	12 Month Fixed Roth IRA

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 North Main Street	Winnsboro, TX 75494
South Town Branch	100 E Coke Road	Winnsboro, TX 75494

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