Verified

Fees on this page were checked against the institution's own published fee schedule. Benchmark scores use verified fees only.

Community bank, $300M to $1B

Winnsboro State Bank & Trust Company

Winnsboro, LouisianaBankAtlanta Fed districtFees collected Oct 4, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Verified fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research per Hour (Minimum 1 Hour)$20Within the typical range ($5–$25 nationally)

Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=account_research; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Account Research per Hour (Minimum 1 Hour) $20" · Source

Overdraft & NSFVerified

NSF Return Charge$36Above the typical range ($10–$30 nationally)
$11 above the national median
Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=nsf; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="NSF Return Charge $36" · Source
Overdraft Item Paid Charge$36Above the typical range ($7.50–$35 nationally)
$11 above the national median
Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=overdraft; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Overdraft Item Paid Charge $36" · Source

ATM & CardVerified

ATM WS Fee from non WSB ATMs$1Below the typical range ($2–$35 nationally)
$9 below the national median
Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=atm_non_network; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="ATM WS Fee from non WSB ATMs $1" · Source
Replacement Debit Card$20Above the typical range ($5–$19.38 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=card_replacement; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Replacement Debit Card $20" · Source

Check ServicesVerified

Stop Payment Fee (Check, Paper Draft, or ACH)$36Above the typical range ($17.50–$30 nationally)
$11 above the national median
Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=stop_payment; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Stop Payment Fee (Check, Paper Draft, or ACH) $36" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research per Hour (Minimum 1 Hour)	$20Within the typical range ($5–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=account_research; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Account Research per Hour (Minimum 1 Hour) $20"	Source
Overdraft & NSFVerified
NSF Return Charge	$36Above the typical range ($10–$30 nationally)	$11 above the national median	—	Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=nsf; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="NSF Return Charge $36"	Source
Overdraft Item Paid Charge	$36
ATM & CardVerified
ATM WS Fee from non WSB ATMs	$1Below the typical range ($2–$35 nationally)	$9 below the national median	—	Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=atm_non_network; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="ATM WS Fee from non WSB ATMs $1"	Source
Replacement Debit Card
Check ServicesVerified
Stop Payment Fee (Check, Paper Draft, or ACH)	$36Above the typical range ($17.50–$30 nationally)	$11 above the national median	—	Knox deterministic extraction from Rosetta artifact #1841. canonical_hint=stop_payment; text_hash=6674874b0a3a0db570a7f6a13440297ad65c3c5c32f67f3d28788da6b24be34b; excerpt="Stop Payment Fee (Check, Paper Draft, or ACH) $36"	Source

Fee change alerts

Get an email when Winnsboro State Bank & Trust Company changes a fee

One email when a verified fee you follow changes. Nothing else unless you ask for it.

Work at Winnsboro State Bank & Trust Company? Benchmark it against peers, free

Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$36

Overdraft fee: $36

44% above the national median overdraft fee

Total fees: 6 — leaner than most institutions

Verified fees

Under review

Assets

$425.7M

Work at Winnsboro State Bank & Trust Company? See every fee vs. your peers.

The Competitive Fee Position Report: every fee on this page benchmarked against a verified peer set, in a board-ready document. free, delivered in 48 hours.

Get your free report Correct or add a fee source

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$425.7M

Total deposits

$374.8M

Service charge income

$235K

Fee income ratio

4.6%

Return on assets

1.58%

Branches

Service charge income by quarter

Q2 2026$235K

Q1 2026$225K

Q4 2025$235K

Q3 2025$236K

Financial profile · Pro

Performance from regulator filings

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

Unlock all 57 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 5,474 verified fees from 1,488 institutions

See pricing