Bank · FDIC insured
WSB
A $425.7M bank headquartered in Winnsboro, LA, with 5 branches in Louisiana. Best rates: savings 3.04% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings893.04%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About WSB
Established in 1902, Winnsboro State Bank is headquartered in Winnsboro, Louisiana.
Originally located in the former offices of The Franklin Sun, the bank operates full-service branches in Gilbert, Mangham, Rayville, and Ruston.
- Headquarters
- 3875 Front St, Winnsboro, LA 71295
- FDIC certificate
- 10533 ↗
Branches
5 branches in Louisiana
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Louisiana
5 branches
Monroe area · 2
- Mangham Branch410 Horace Street, Mangham, LA 71259Directions
- Winnsboro State Bank & Trust Company-Rayville Branch1907 Highway 425, Rayville, LA 71269Directions
Winnsboro area · 1
- Winnsboro State Bank & Trust CompanyMain office3875 Front St, Winnsboro, LA 71295Directions
Gilbert area · 1
- Gilbert Branch7518 Gilbert St, Gilbert, LA 71336Directions
Ruston area · 1
- Winnsboro State Bank & Trust Company-Ruston Branch1715 Celebrity Drive, Ruston, LA 71270Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.85% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.94% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.48% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio10.85%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.94%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.48%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of WSB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.