Wilson Bank & Trust
Lebanon, TN · Cert 26962 · Peer group: banks $1B-$10B in assets (n=322-328) · Wilson Bank Holding Co.
State charter, non-member · FDIC · 32 branches
Q2 2026
$6.0BAssets
$4.5BLoans
$5.3BDeposits
$603.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 77% of banks $1B-$10B in assets (rank 75 of 328).
- Widest gap: nonperforming loans / loans trails 58% of banks $1B-$10B in assets (rank 189 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.48%
Rank 89 of 328
Net Interest Margin
3.54%
Rank 143 of 328
Efficiency Ratio
52.75%
Rank 95 of 328
Equity / Assets
10.09%
Rank 177 of 328
Non-interest income vs. expense
Unfavorable gap of $92.1M · efficiency ratio beats 71% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.91% | 1.22% | 1.52% | Beats 73% | 89 / 328 | | |
| Return on Equity | 14.62% | 8.43% | 11.45% | 14.43% | Beats 77% | 75 / 328 | | |
| Net Interest Margin | 3.54% | 3.03% | 3.45% | 3.83% | Beats 56% | 143 / 328 | | |
| Efficiency Ratio | 52.75% | 51.61% | 59.56% | 67.53% | Beats 71% | 95 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.24% | 0.51% | 1.03% | Beats 42% | 189 / 322 | | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 56% | 144 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.35% | 11.75% | 13.15% | 15.47% | Beats 66% | 112 / 328 | | |
| Total Risk-Based Capital Ratio | 15.60% | 12.63% | 14.15% | 16.46% | Beats 69% | 103 / 328 | | |
| Equity / Assets | 10.09% | 9.15% | 10.33% | 12.01% | Beats 46% | 177 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.18% | 76.63% | 87.92% | 95.36% | 41st pctl | 189 / 323 | | |
| Loans / Assets | 75.01% | 65.18% | 74.15% | 79.98% | 54th pctl | 151 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |