At a glance
From its website, read 2 Nov 2026Franklin State Bank & Trust Company is a bank or thrift based in Winnsboro, Louisiana. Its website describes farm loans, auto loans, commercial real estate loans and 5 other loan types. Where it lends: Winnsboro, Franklin Parish, and surrounding Louisiana communities.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (318) 435-3711 source |
|---|---|
| Phone | (318) 722-3264 source |
| Phone | (318) 724-6105 source |
| Website | fsbnet.com |
| Office (official list) | P.O. Box 940, Winnsboro, LA 71295 |
What their website says about applying
Stop by your nearest branch or give us a call at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Nov 2016 |
| RSSD ID | 1006652 |
| Address | P.O. Box 940, Winnsboro, LA 71295 Directions to the main office (Google Maps) |
| Website | fsbnet.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No loan amounts or online loan application were stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | our agricultural loan programs are designed to help your farm succeed | source |
| Auto / vehicle loans | — | Our auto loans are designed for both new and used car purchases | source |
| Commercial real estate loans | — | For purchasing, refinancing, or constructing commercial property | source |
| Equipment loans | — | Finance new or used business equipment | source |
| Home mortgages | — | We offer real estate loans with competitive terms designed to fit your needs—whether you're purchasing, refinancing, or building a home. | source |
| Nonprofit / community facility loans | — | Financing for churches, nursing homes, schools, and public entities | source |
| Personal / consumer loans | — | Our unsecured personal loans are a practical solution for covering a variety of expenses. | source |
| Small-business loans | — | our team offers customized business loans to meet your specific goals | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Winnsboro, Franklin Parish, and surrounding Louisiana communities
Since 1908, Franklin State Bank has proudly served the residents and businesses of Winnsboro, Franklin Parish, and surrounding Louisiana communities.
source
Counties this matches: Franklin Parish, LA
Borrower focus
- Farmers / ranchers
Support for farmers, ranchers, and agribusiness across Louisiana
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.4 million in 9 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $127,638 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $245,547 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Franklin State Bank & Trust Company (FDIC cert 11792). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $224.7 million (as of 30 Jun 2026) |
|---|---|
| Offices | 4 (as of 30 Oct 2026) |
Offices by state and county (4)
Louisiana (4 offices)
- Franklin Parish (4): 802 Prairie St, Winnsboro 71295 (main office); 5263 Highway 17, Crowville 71230; 3465 Front St, Winnsboro 71295; 122 Shade Street, Wisner 71378
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Franklin State Bank & Trust Company (RSSD 1006652, FDIC cert 11792). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $126.1 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.4% from $123.2 million on 30 Jun 2025 |
| Total assets | $224.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $36.8 million | 29.2% |
| Commercial real estate, construction and multifamily | $5.9 million | 4.7% |
| Commercial and industrial (business) loans | $8.5 million | 6.7% |
| Farmland and farm production loans | $65.4 million | 51.9% |
| Consumer loans (credit cards, auto, other) | $9.5 million | 7.6% |
| All other loans and leases | $35,000 | <0.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $2.4 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 23 loans $951,000 | 207 loans $3.9 million |
| $100,001 to $250,000 | 10 loans $1.4 million | 10 loans $1.2 million |
| $250,001 to $1 million | 5 loans $2.3 million | 6 loans $3.3 million |
| All small business loans | 38 loans $4.7 million | 223 loans $8.5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 86 loans $3 million | 116 loans $3.1 million |
| $100,001 to $250,000 | 46 loans $6.4 million | 18 loans $1.9 million |
| $250,001 to $500,000 | 18 loans $4.4 million | 20 loans $5.1 million |
| All small farm loans | 150 loans $13.8 million | 154 loans $10.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $224.7 million | Larger than 29% of the 72 other certified banks and bank holding companies in Louisiana (median $334.7 million). |
| Loans as a share of assets | 56% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $123.2 million → $126.1 million (+2%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 53 → 53. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 29% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 53 → 53 of 73 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Winnsboro and Louisiana
- Franklin Bancorp, Inc.Bank holding company · Winnsboro, LAOfficial list only
- Winnsboro Bancshares, Inc.Bank holding company · Winnsboro, LAOfficial list only
- Winnsboro State Bank & Trust Co.Bank or thrift · Winnsboro, LAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
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