First National Bank of Winnsboro...Your Financial Partner for Life!

There have been many changes in the area since the days of when “cotton was king”, but First National Bank of Winnsboro has been continually serving multiple generations of families for over a century!

At the 2018 Customer Appreciation BBQ, Texas Bankers Association and The Independent BankersBank presented FNB with a award for celebrating 125 years of banking. Windol Cook, on behalf of TIB, stated, “Since my tenor at TIB, I have not had the privilege of giving a 125 year award and it is an honor the bank should be proud of.”  March 10, 2020, marks the bank’s 127th year of operation. 

Receiving plaque for celebrating its’ 126th year of operations

Our History & Locations

FNB began as a private bank in 1893 at the southeast corner of Main and Elm streets and was nationalized in 1901. One of the earliest statements of the bank, dated in 1895, listed the bank’s capital at $36,000 and individual deposits of $29,421. It was sworn to by C.H. Morris, cashier, and attested by T.J. Gibson, J.H. Patrick, and B.W. Moore, directors at the time.

1890s photo of First National Bank of Winnsboro first branch.

As of December 31, 2019, the bank’s equity capital had grown to over $27 million. The bank’s current headquarters was constructed in 1969, completely renovated in 1984, and most recently enlarged and updated in 2005. The Southtown Branch was relocated to the busy corner of South Main and Coke Road in 2009. It hosts lobby hours Monday-Friday 9:00 a.m. to 4:00 p.m., and the convenient drive-thru is open Monday-Friday from 7:30 a.m. to 5:30 p.m. It offers Saturday banking from 8:00 a.m. to 12:00 noon. The Winona-Owentown Branch, opened in 1995, is located at the intersection of highways 155 and 271 across from the UT Health Science Center in Winona.

Serving the Financial Needs of the Community
The banking industry has seen many changes through the years, but FNB’s commitment to Winnsboro and the surrounding area is just as strong today as it was over a century ago. 

The day-to-day lending decisions are made and serviced on site. The knowledgeable, professional staff and directors participate in many hours of educational training courses, seminars, webinars, and developmental meetings in order to stay attuned to the latest in banking products, services, rules and regulations while emphasizing the highest level of customer service. This vision has kept FNB a leader in the industry today.

“Hometown People, Hometown Spirit”
FNB takes great pride in giving back to the community it serves.  The company offers hometown support of the many clubs and organizations in the area and encourages their employees to do the same.  The officers, staff, and directors can be seen all around the community as they donate their time, talents, and energy to school, church, and civic endeavors. These efforts include such groups as the Raider Pride Club, the Winnsboro Volunteer Fire department, the Winnsboro Arts Center, the Band Boosters, the Masonic Lodge, the Eastern Star, local youth softball, baseball, and basketball programs, the WHS Vo-Ag department, the Wood County Jr. Livestock Show, the Winnsboro Community Foundation, Winnsboro Economic Development Foundation, Winnsboro Industrial Foundation, as well as various cemetery and financial boards.

Education plays a very important role to First National Bank of Winnsboro. Since 2000 the bank has awarded over $350,000 in scholarships to deserving high school seniors to assist with their higher education goals. Employees, also, mentor and lecture throughout the year to educate students on personal finances and establishing sound credit practices. The separate “Pays for A’s” program for the elementary and middle schools has been a big hit with the students encouraging them to make good grades.

The financial institution has, also, hosted food drives, blood drives, school supply drives, and coat drives, as well as, collected items to be distributed to the local nursing homes. The members of the Winnsboro Chamber of Commerce recognized their community service efforts in 2014 by awarding them the “Business of the Year”. 

Financial Partner for Life
It's an exciting time to watch our customers grow.....from toddlers with a child's savings account, the first checking account, the first car loan, the first certificate of deposit, to a new mortgage loan. Here at FNB our customers are more than just that. We have shared your happy times, laughed and smiled with you, and helped find a solution through the tough times where we have often cried with you. Our customers become a member of our banking family where we welcome them by name, not a number. The coffee pot is always on and we welcome you to stop by for a visit today. Come grow with us....we want to be your financial partner for life!