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 291^st largest bank in the state of Texas. It is also the 3,512^th largest bank in the nation. It was established in 1893 and as of June of 2019, 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

Data as of Q2 2019

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Health Grade Components

Overall
FDIC Certificate #	5590
Year Established	1893
Employees	31
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.57%
Return on Equity - YTD	8.22%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$139.1MM$142.4MM
Loans	Q2 2019vs Q2 2018	$87.9MM$87.1MM
Deposits	Q2 2019vs Q2 2018	$106.1MM$110.5MM
Equity Capital	Q2 2019vs Q2 2018	$26.9MM$26.5MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.1MM$1.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$108.00K$1.2MM
Real Estate Owned	Q2 2019vs Q2 2018	$1.3MM$1.4MM

Rates

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Savings
Money Market
Checking
CD
IRA

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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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