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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 302nd largest bank in the state of Texas. It is also the 3,546th largest bank in the nation. It was established in 1893 and as of June of 2020, it had grown to 29 employees at 3 locations. The First National Bank of Winnsboro has a B+ health rating.

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Health
B+

Data as of Q2 2020

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Health Grade Components

Overall
FDIC Certificate #5590
Year Established1893
Employees29
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD4.65%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$142.9MM$139.1MM
LoansQ2 2020vs Q2 2019$82.5MM$87.9MM
DepositsQ2 2020vs Q2 2019$110.0MM$106.1MM
Equity CapitalQ2 2020vs Q2 2019$29.7MM$26.9MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.1MM$1.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.0MM$108.00K
Real Estate OwnedQ2 2020vs Q2 2019$1.3MM$1.3MM
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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