LA lenders / Community Bank
Winnsboro State Bank & Trust Company
Community Bank · Winnsboro, LA · Winnsboro Bancshares Inc
- Total assets
- $412.5M
- CRE loan book
- $84.7M
- QoQ CRE growth
- -0.9%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.70% as of Q1 2026 — TX bank median 4.87% (1.84pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.70% | 7.70% |
| Q4 2025 | 6.86% | 7.67% |
| Q3 2025 | 6.85% | 7.72% |
| Q2 2025 | 6.62% | 7.43% |
| Q1 2025 | 6.52% | 7.45% |
| Q4 2024 | 6.47% | 7.13% |
| Q3 2024 | 6.59% | 7.46% |
| Q2 2024 | 6.38% | 7.19% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $84.7M | $23.3M | $14.5M | 128% | $0 |
| Q4 2025 | $85.5M | $23.3M | $14.7M | 129% | $0 |
| Q3 2025 | $76.1M | $22.0M | $15.0M | 129% | $0 |
| Q2 2025 | $66.5M | $13.7M | $14.7M | 101% | $3,000 |
| Q1 2025 | $66.3M | $10.9M | $15.4M | 100% | $139,000 |
| Q4 2024 | $63.2M | $9.4M | $15.5M | 100% | $189,000 |
| Q3 2024 | $65.1M | $10.4M | $15.5M | 102% | $37,000 |
| Q2 2024 | $63.2M | $10.5M | $15.3M | 100% | $129,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First Exchange BankCommunity Bank · White Hall · $84.5M CRE book
- Patrons Bank, National AssociationCommunity Bank · Okmulgee · $84.8M CRE book
- Farmers Savings BankCommunity Bank · Mineral Point · $84.9M CRE book
- The Friendship State BankCommunity Bank · Friendship · $85.0M CRE book
- Incommons Bank, N.A.Community Bank · Mexia · $84.2M CRE book
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Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.