Wilson Bank and Trust
Wilson Bank and Trust reported total assets of $6.0 bn at Q2 2026, up 6.2% on a year earlier, the 249th largest of 497 banks in our US coverage. The CET1 capital ratio at Wilson Bank and Trust was 14.35%, and the uninsured share of Wilson Bank and Trust was 25.36%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Wilson Bank and Trust slipped from 103rd to 260th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Wilson Bank and Trust apart
How large is Wilson Bank and Trust?
The balance sheet of Wilson Bank and Trust at : assets $6.0 bn, deposits $5.3 bn, net loans $4.4 bn (loans equal to 83.10% of deposits). Securities make up 17.6% of total assets at Wilson Bank and Trust. Since , when Wilson Bank and Trust held $2.1 bn, its assets grew 189.4%. In the year to , deposits at Wilson Bank and Trust rose 5.4% while its total assets rose 6.2%. At , Wilson Bank and Trust employed 654 full-time equivalent staff across 32 offices, about $9.1 mn of assets per employee and $166.5 mn of deposits per office.
How much funding at Wilson Bank and Trust is uninsured?
At Wilson Bank and Trust, uninsured deposits (above the FDIC limit) made up 25.36% of domestic deposits at (-4.01 pp on a year earlier); Wilson Bank and Trust ranks 372nd of 500 on this measure. In dollars, Wilson Bank and Trust estimated $1.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $5.3 bn | +5.4% | 237th of 499 |
| Net loans and leases | $4.4 bn | +4.4% | 238th of 500 |
| Loan-to-deposit ratio | 83.10% | -0.74 pp | 301st of 500 |
| Tier 1 leverage ratio | 10.85% | +0.49 pp | 186th of 500 |
| Total risk-based capital ratio | 15.60% | +1.04 pp | 134th of 448 |
| Net interest margin | 3.80% | +0.25 pp | 202nd of 500 |
| Return on assets (ROA) | 1.48% | +0.15 pp | 158th of 500 |
| Efficiency ratio | 52.73% | -1.20 pp | 187th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $84.2 mn | Narrowed by $9.9 mn | |
| Noncurrent loans to total loans | 0.63% | +0.39 pp | 260th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.04% | +0.02 pp | 169th of 500 (1 = lowest) |
US rank of Wilson Bank and Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Wilson Bank and Trust: assets, deposits and loans
- Total assets $6.0bn
- Deposits $5.3bn
- Net loans $4.4bn
Capital and securities
The CET1 ratio of Wilson Bank and Trust stood at 14.35% in , +1.04 pp year on year. Low and high at Wilson Bank and Trust since : 12.14% () to 14.35% (). Equity capital of Wilson Bank and Trust at : $603.5 mn, or 10.1% of total assets. Wilson Bank and Trust also reported a total capital ratio of 15.60% for , and a tier 1 leverage ratio of 10.85%.
The available-for-sale portfolio of Wilson Bank and Trust showed an unrealized loss of $84.2 mn at ; the loss narrowed by $9.9 mn over the year.
Wilson Bank and Trust: capital ratios
- Total capital 16%
- CET1 14%
- Tier 1 leverage 11%
Wilson Bank and Trust: unrealized securities gains and losses
- Available for sale -$84mn
- Held to maturity $0
Profitability and loan quality
For the year to , Wilson Bank and Trust earned a return on equity of 14.98%; return on assets: 1.48%. Net interest margin at Wilson Bank and Trust: 3.80%, +0.25 pp in a year. Wilson Bank and Trust net income: $44.1 mn, up 20.1% year on year. The efficiency ratio of Wilson Bank and Trust was 52.73%: about 53 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.63% of total loans at Wilson Bank and Trust; net charge-offs: 0.04% of average loans. Gross loans and leases at Wilson Bank and Trust: $4.5 bn, up 4.5% in a year.
Wilson Bank and Trust: profitability
- Return on equity 15%
- Net interest margin 3.8%
- Return on assets 1.5%
Peer group of Wilson Bank and Trust
The peer group of Wilson Bank and Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Wilson Bank and Trust (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Tennessee. Against them, Wilson Bank and Trust shows CET1 ratio 14.35% against a peer median of 12.05%, return on equity 14.98% against a peer median of 12.96% and uninsured deposit share 25.36% against a peer median of 54.34%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bradesco Bank | State nonmember bank | FL | $6.1 bn | 13.93% | 9.99% | 63.89% | |
| River City Bank | State nonmember bank | CA | $6.0 bn | 13.18% | 13.41% | 37.15% | |
| Banesco USA | State nonmember bank | FL | $6.0 bn | not reported | 13.92% | 62.37% | |
| Wilson Bank and Trust | State nonmember bank | TN | $6.0 bn | 14.35% | 14.98% | 25.36% | |
| Fremont Bank | State nonmember bank | CA | $6.0 bn | 10.69% | 14.72% | 46.30% | |
| Bank First | National bank | WI | $5.9 bn | 10.93% | 12.52% | 32.74% | |
| CTBC Bank Corp. (USA) | State nonmember bank | CA | $5.9 bn | not reported | 6.33% | 66.55% | |
. FDIC Call Reports.
Last eight quarters
Two years at Wilson Bank and Trust, to : assets +13.9%, deposits +12.9%, equity +26.2%. Staff 598 to 654; offices 30 to 32.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.3 bn | $5.4 bn | $5.5 bn | $5.6 bn | $5.8 bn | $5.9 bn | $6.0 bn | $6.0 bn |
| Total deposits | $4.7 bn | $4.8 bn | $5.0 bn | $5.1 bn | $5.2 bn | $5.3 bn | $5.4 bn | $5.3 bn |
| Bank equity capital | $478.0 mn | $473.9 mn | $504.2 mn | $523.2 mn | $551.3 mn | $578.5 mn | $584.7 mn | $603.5 mn |
| CET1 ratio | 13.10% | 13.16% | 13.34% | 13.31% | 13.64% | 14.31% | 14.29% | 14.35% |
| Return on equity (ROE) | 12.82% | 12.91% | 13.85% | 14.67% | 14.33% | 14.76% | 15.49% | 14.98% |
| Uninsured share of domestic deposits | 29.42% | 29.53% | 29.64% | 29.37% | 30.10% | 28.63% | 26.55% | 25.36% |
| Full-time equivalent employees | 598 | 600 | 600 | 615 | 623 | 647 | 643 | 654 |
| Number of offices | 30 | 31 | 31 | 32 | 32 | 32 | 32 | 32 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Wilson Bank and Trust appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Wilson Bank and Trust?
Wilson Bank and Trust reported $6.0 bn at in its Call Report. That makes Wilson Bank and Trust the 249th largest of 497 banks in our US coverage.
Is Wilson Bank and Trust the same as its holding company?
No. This page covers Wilson Bank and Trust, FDIC certificate 26962; WILSON BANK HOLDING CO (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Wilson Bank and Trust profitable?
Wilson Bank and Trust reported net income of $44.1 mn for the year to ; annualized return on equity: 14.98%. So yes: Wilson Bank and Trust made a profit over these months.
When is data for Wilson Bank and Trust next updated?
Figures from Wilson Bank and Trust for are due after .
Where can I check the figures for Wilson Bank and Trust?
In the FDIC BankFind Suite record for certificate 26962, and in the Call Reports of Wilson Bank and Trust (RSSD ID 159636) at the FFIEC Central Data Repository.