The First National Bank of Winnsboro

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.75%	5-year CD	2.27% - National Average
1.25%	1-year CD	1.38% - National Average
0.10%	Savings	0.26% - National Average

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 296^th largest bank in the state of Texas. It is also the 3,584^th largest bank in the nation. It was established in 1893 and as of December of 2018, it had grown to 33 employees at 3 locations. The First National Bank of Winnsboro's CD rates are 39% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	5590
Year Established	1893
Employees	33
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	6.05%
Annual Interest Income	$6.2MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$137.2MM$138.4MM
Loans	Q4 2018vs Q4 2017	$85.5MM$88.6MM
Deposits	Q4 2018vs Q4 2017	$106.9MM$107.4MM
Equity Capital	Q4 2018vs Q4 2017	$26.9MM$26.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$983.00K$1.1MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$742.00K$1.9MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.8MM$115.00K

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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