This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Waco, TX
Health score
72.7
Total assets
$162.8M
Bank
Winnsboro, TX
Health score
91.9
Total assets
$158.2M
Answer first
Fidelity Bank of Texas leads on lending quality and growth; The First National Bank of Winnsboro leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The First National Bank of Winnsboro
Higher TFS health score
Capitalization
The First National Bank of Winnsboro
Higher comparable capital ratio
Profitability
The First National Bank of Winnsboro
Higher return on assets
Lending quality
Fidelity Bank of Texas
Lower problem-loan measure
Growth
Fidelity Bank of Texas
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Fidelity Bank of Texas | The First National Bank of Winnsboro |
|---|---|---|
| TFS health score | 72.7/100 | 91.9/100Leads |
| Total assets | $162.8M | $158.2M |
| Total deposits / shares | $132.5M | $121.4M |
| Tier 1 capital ratio | 10.65% | 22.72%Leads |
| Return on assets | -0.55% | 1.92%Leads |
| Return on equity | -3.65% | 9.18% |
Fidelity Bank of Texas
2 branches
The First National Bank of Winnsboro
3 branches
Both institutions report branches in 1 state: TX.
Fidelity Bank of Texas
Unavailable
The First National Bank of Winnsboro
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Fidelity Bank of Texas
0 in TFS registry
The First National Bank of Winnsboro
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Fidelity Bank of Texas score | Fidelity Bank of Texas ROA | The First National Bank of Winnsboro score | The First National Bank of Winnsboro ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.21% | — | 3.58% |
| 2024-Q4 | — | -0.07% | — | 1.08% |
| 2025-Q1 | — | 0.36% | — | 2.08% |
| 2025-Q2 | — | 0.46% | — | 2.08% |
| 2025-Q3 | — | 0.23% | — | 2.10% |
| 2025-Q4 | — | 0.65% | — | 1.95% |
| 2026-Q1 | 63.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 0.05%Leads | 1.10% |
| Net charge-offs | -0.00%Leads | 0.09% |
| Efficiency ratio | 106.28% | 55.92%Leads |
| Loan-to-deposit ratio | 82.30% | 82.59% |
| Asset growth (YoY) | 18.43%Leads | -1.34% |
| Deposit / share growth (YoY) | 23.47%Leads | -0.78% |
| Branches | 2 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| -0.38% |
| 90.1/100 |
| 1.76% |
| 2026-Q2 | 72.7/100 | -0.55% | 91.9/100 | 1.92% |