Call reports 2026
WINNSBORO STATE BANK & TRUST COMPANY — 2026
What WINNSBORO STATE BANK & TRUST COMPANY reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 412,536,000 | 425,687,000 |
| Total loans | 318,480,000 | 338,282,000 |
| Allowance for loan losses | 3,036,000 | 3,273,000 |
| Securities available for sale | 42,583,000 | 42,313,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 363,526,000 | 374,806,000 |
| Interest-bearing deposits | 304,208,000 | 316,232,000 |
| Noninterest-bearing deposits | 59,318,000 | 58,574,000 |
| Equity capital | 43,741,000 | 45,101,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 6,589,000 | 13,524,000 |
| Interest expense | 2,144,000 | 4,401,000 |
| Net interest income | 4,445,000 | 9,123,000 |
| Noninterest income | 400,000 | 850,000 |
| Noninterest expense | 3,131,000 | 6,296,000 |
| Provision for loan losses | 310,000 | 620,000 |
| Pretax income | 1,404,000 | 3,057,000 |
| Income tax | 0 | 0 |
| Net income | 1,404,000 | 3,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 44,486,000 | 45,717,000 |