Overview / Commentary
315 North Main Street
Winnsboro, TX 75494

The First National Bank of Winnsboro is headquartered in Winnsboro and is the 298th largest bank in the state of Texas. It is also the 3,578th largest bank in the nation. It was established in 1893 and as of March of 2018, it had grown to 31 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 Grade Components

FDIC Certificate #5590
Year Established1893
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD5.45%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$141.3MM$139.2MM
LoansQ1 2018vs Q1 2017$89.9MM$87.6MM
DepositsQ1 2018vs Q1 2017$109.7MM$107.9MM
Equity CapitalQ1 2018vs Q1 2017$26.1MM$24.9MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.1MM$1.1MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.8MM$2.2MM
Real Estate OwnedQ1 2018vs Q1 2017$114.00K$218.00K
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Always verify rates and promotions with the bank or credit union. We are not The First National Bank of Winnsboro; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.10%$100-Regular Savings Account

The First National Bank of Winnsboro Money Market Rates

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

0.10%$1k-NOW Checking Account

The First National Bank of Winnsboro CD Rates

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

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

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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