City Bank & Trust Co. vs Winnsboro State Bank & Trust Company
Comparing a Bank in Natchitoches, LA with a Bank in Winnsboro, LA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| City Bank & Trust Co. ↗ Bank · Natchitoches, LA · Est. 1933 | Winnsboro State Bank & Trust Company ↗ Bank · Winnsboro, LA · Est. 1902 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Natchitoches, LA | Winnsboro, LA |
| Total assets | $378.1M | $412.5M |
| Capital ratio | 11.0% | 10.6% |
| Return on assets | 1.6% | 1.4% |
| Deposits | $330.7M | $363.5M |
| Branches | 8 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 105 | #2 of 105 |
| Established | 1933 | 1902 |
City Bank & Trust Co.
- Assets: $378.1M
- Deposits: $330.7M
- Capital ratio: 11.0%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #5 of 105
Winnsboro State Bank & Trust Company
- Assets: $412.5M
- Deposits: $363.5M
- Capital ratio: 10.6%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 105
Are both institutions federally insured?
Yes. City Bank & Trust Co. is FDIC-insured and Winnsboro State Bank & Trust Company is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, City Bank & Trust Co. or Winnsboro State Bank & Trust Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — City Bank & Trust Co. scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is City Bank & Trust Co. safe?
Yes — City Bank & Trust Co. is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Winnsboro State Bank & Trust Company safe?
Yes — Winnsboro State Bank & Trust Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of City Bank & Trust Co. vs Winnsboro State Bank & Trust Company?
City Bank & Trust Co. has a capital ratio of 11.0%, placing it in the top 37% of $100M–1B peers. Winnsboro State Bank & Trust Company's ratio is 10.6%, placing it in the top 43% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does City Bank & Trust Co. have compared to Winnsboro State Bank & Trust Company?
The CFPB database shows 0 complaints against City Bank & Trust Co., and 0 complaints against Winnsboro State Bank & Trust Company. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare City Bank & Trust Co. with other Banks in Louisiana
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
