The First National Bank Of Winnsboro is a bank based in Winnsboro, Texas, established in 1893, with $156 million in total assets across 3 branches. By Trust Grade it ranks 151st of 349 banks we track in Texas. Its capital ratio of 20.8% is stronger than 97% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.76% return on assets. No consumer complaints against The First National Bank Of Winnsboro appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The First National Bank Of Winnsboro compares to Texas peers
How we graded The First National Bank Of Winnsboro
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (20.8% capital ratio)
- Strongly profitable (ROA 1.76%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The First National Bank Of Winnsboro over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 100 E Coke Rd, Winnsboro, TX 75494
- 11120 State Highway 155 North, Winona, TX 75792
- 315 N Main St, Winnsboro, TX 75494
Are deposits at The First National Bank Of Winnsboro insured?
Yes. The First National Bank Of Winnsboro is an FDIC-insured bank (FDIC certificate #5590). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The First National Bank Of Winnsboro: frequently asked questions
Is The First National Bank Of Winnsboro a good bank?
The First National Bank Of Winnsboro earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (20.8% capital ratio); Strongly profitable (ROA 1.76%).
Is The First National Bank Of Winnsboro FDIC-insured?
Yes. The First National Bank Of Winnsboro is a FDIC-insured bank (FDIC certificate #5590). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The First National Bank Of Winnsboro?
The First National Bank Of Winnsboro holds $156 million in total assets, ranking 151st of 349 banks we track in Texas. It operates 3 branches.
Does The First National Bank Of Winnsboro have CFPB complaints?
No CFPB complaints against The First National Bank Of Winnsboro appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
