FIRST NB OF WINNSBORO
WINNSBORO, TEXAS · FDIC Cert #5590
Capital & Safety Analysis
According to FDIC financial data, FIRST NB OF WINNSBORO holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST NB OF WINNSBORO to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST NB OF WINNSBORO shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST NB OF WINNSBORO has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NB OF WINNSBORO holds $160M in total assets and $116M in total deposits. It is located in WINNSBORO, TEXAS (FDIC Certificate #5590).
FIRST NB OF WINNSBORO has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.52%, and the return on assets is 4.57%.
Yes. FIRST NB OF WINNSBORO is FDIC-insured (Certificate #5590). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.