WILSON BANK & TRUST

LEBANON, TN | Large | Est. May 11, 1987, midnight | FDIC #26962 | RSSD #159636 | FDIC
Latest Report: 2025-12-31

WILSON BANK & TRUST is aln large FDIC-insured commercial bank headquartered in LEBANON, TN, established in May 11, 1987, midnight. As of 2025-12-31, the bank reported total assets of $5.9B and total deposits of $5.3B. Profitability stands at 1.54% ROA and 15.93% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 14.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.61% and a Texas Ratio of 4.29%. FDIC Certificate #26962.

Assets

$5.9B

Deposits

$5.3B

Loans

$4.4B

Equity

$578M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 15.93%
Net Interest Margin (NIM) 3.89%
Yield on Assets 6.34%
Cost of Funds 2.74%

Asset Quality

NPL Ratio 0.61%
Net Charge-Off Ratio 0.04%
Texas Ratio 4.29%
NPA Ratio 0.46%
ACL / Loans 1.26%

Capital & Liquidity

CET1 Ratio 14.31%
Tier 1 Capital 14.31%
Total Capital Ratio 15.56%
Leverage Ratio 10.57%
Loan-to-Deposit 82.88%

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