US Bank Directory
Banks in Winnsboro, TX
4 FDIC-insured banks operate 5 offices in Winnsboro, Texas.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Winnsboro
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 5 locations in Winnsboro, according to the FDIC. 5 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks in Winnsboro
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The First National Bank of Winnsboro has the most locations in Winnsboro, with 2. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The First National Bank of Winnsboro Bank · 2
The First National Bank of Winnsboro has 2 branches in Winnsboro, 3 across Texas and 3 nationwide. FDIC records list its main office in Winnsboro, TX and show it operating since 1893. With $158.2 million in total assets on June 30, 2026, it ranks No. 3,263 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Winnsboro location is its main office at 315 N Main St, dating to 1893; the newest, at 100 E Coke Rd, to 1977. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office315 N Main St, 75494
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South Town Branch100 E Coke Rd, 75494
Broadstreet Bank S S B Bank · 1
Broadstreet Bank S S B has 1 branch in Winnsboro, 7 across Texas and 7 nationwide. FDIC records list its main office in Mineola, TX and show it operating since 1934. With $442.8 million in total assets on June 30, 2026, it ranks No. 1,949 of 4,232 U.S. banks by total assets. The South Main Branch at 500 S Main St dates to 1934 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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South Main Branch500 S Main St, 75494
Prosperity Bank Bank · 1
Prosperity Bank has 1 branch in Winnsboro, 388 across Texas and 354 nationwide. FDIC records list its main office in El Campo, TX and show it operating since 1949. With $43.88 billion in total assets on June 30, 2026, it ranks No. 54 of 4,232 U.S. banks by total assets. The Winnsboro Branch at 607 S Main St dates to 1993 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Winnsboro Branch607 S Main St, 75494
The City National Bank of Sulphur Springs Bank · 1
The City National Bank of Sulphur Springs has 1 branch in Winnsboro, 17 across Texas and 17 nationwide. FDIC records list its main office in Sulphur Springs, TX and show it operating since 1889. With $1.37 billion in total assets on June 30, 2026, it ranks No. 804 of 4,232 U.S. banks by total assets. The Winnsboro Branch at 210 S Main St dates to 1993 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Winnsboro Branch210 S Main St, 75494
Banking in Winnsboro: the local picture
Short answer: 4 banks run 5 branches in Winnsboro according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 1 has its main office in Winnsboro, 3 elsewhere in Texas, according to the FDIC.
The bank with the longest record here is The City National Bank of Sulphur Springs, operating since 1889 according to the FDIC. In FDIC branch records, the longest-running branch is The First National Bank of Winnsboro's office at 315 N Main St, dating to 1893; the newest is The City National Bank of Sulphur Springs's at 210 S Main St, from 1993.
None of the 5 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.
Chase, Bank of America and other national banks
Which big national banks have branches in Winnsboro, and where the nearest one is if they do not.
Short answer: No branches in Winnsboro: Chase (nearest in Lindale, 31 mi), Wells Fargo (nearest in Terrell, 59 mi), Bank of America (nearest in Tyler, 44 mi), PNC Bank (nearest in Longview, 42 mi), U.S. Bank (nearest in Dallas, 85 mi), Truist (nearest in Caddo Mills, 55 mi), Fifth Third Bank (nearest in Mesquite, 78 mi), Huntington (nearest in Longview, 43 mi), Regions Bank (nearest in Tyler, 42 mi), TD Bank, BMO (nearest in Dallas, 88 mi).
| Bank | In Winnsboro | Nearest branch if none here |
|---|---|---|
| Chase | None | Lindale, 31 miles away |
| Wells Fargo | None | Terrell, 59 miles away |
| Bank of America | None | Tyler, 44 miles away |
| PNC Bank | None | Longview, 42 miles away |
| U.S. Bank | None | Dallas, 85 miles away |
| Truist | None | Caddo Mills, 55 miles away |
| Fifth Third Bank | None | Mesquite, 78 miles away |
| Huntington | None | Longview, 43 miles away |
| Regions Bank | None | Tyler, 42 miles away |
| TD Bank | None | none in Texas |
| BMO | None | Dallas, 88 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Winnsboro to the nearest branch in Texas.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Winnsboro residents like anyone else.
Banks near Winnsboro
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Mount Vernon (14 miles) and Quitman (14 miles). Sulphur Springs, 22 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Mount Vernon, TX | 14 mi | 4 | 5 |
| Banks in Quitman, TX | 14 mi | 3 | 3 |
| Banks in Pittsburg, TX | 19 mi | 5 | 5 |
| Banks in Sulphur Springs, TX | 22 mi | 7 | 13 |
| Banks in Hawkins, TX | 22 mi | 3 | 4 |
| Banks in Mineola, TX | 22 mi | 5 | 6 |
| Banks in Mount Pleasant, TX | 23 mi | 7 | 11 |
| Banks in Gilmer, TX | 25 mi | 5 | 5 |
Bank branch openings and closings in Winnsboro
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Winnsboro between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Winnsboro
Short answer: 1 institution has its main office in Winnsboro: The First National Bank of Winnsboro.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The First National Bank of Winnsboro | Bank | $158.2 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Winnsboro by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Winnsboro offices.
Short answer: Prosperity Bank is the largest bank with offices in Winnsboro, with $43.88 billion in total assets on June 30, 2026, No. 54 among U.S. banks by total assets. The City National Bank of Sulphur Springs is second with $1.37 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Prosperity Bank | $43.88 billion | No. 54 | 1 | El Campo, TX |
| The City National Bank of Sulphur Springs | $1.37 billion | No. 804 | 1 | Sulphur Springs, TX |
| Broadstreet Bank S S B | $442.8 million | No. 1,949 | 1 | Mineola, TX |
| The First National Bank of Winnsboro | $158.2 million | No. 3,263 | 2 | Winnsboro, TX |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Winnsboro: FAQ
How many banks are in Winnsboro, TX?
Winnsboro has 4 banks with 5 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Winnsboro?
The First National Bank of Winnsboro, with 2. Prosperity Bank has 1 and The City National Bank of Sulphur Springs has 1.
Is there a Prosperity Bank in Winnsboro, TX?
Yes. FDIC data lists 1 Prosperity Bank branch in Winnsboro as of September 5, 2026. The address and directions are under Prosperity Bank above.
Is there a The City National Bank of Sulphur Springs in Winnsboro, TX?
Yes. FDIC data lists 1 The City National Bank of Sulphur Springs branch in Winnsboro as of September 5, 2026. The address and directions are under The City National Bank of Sulphur Springs above.
Is there a Chase in Winnsboro, TX?
No. FDIC data lists no Chase branch in Winnsboro as of September 5, 2026. The nearest is in Lindale, about 31 miles away in a straight line.
Which banks are headquartered in Winnsboro?
The First National Bank of Winnsboro has its main office in Winnsboro, according to the FDIC.
What is the oldest bank in Winnsboro?
The City National Bank of Sulphur Springs has the longest record among banks with a branch here: the FDIC shows it operating since 1889.
Did any bank branches open or close in Winnsboro in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Winnsboro?
Nearby cities with more banks include Mount Vernon, Quitman, Pittsburg. Mount Vernon is 14 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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