WILSON & MUIR BANK & TRUST COMPANY

BARDSTOWN, KY | Medium | Est. Dec. 18, 1865, midnight | FDIC #17040 | RSSD #899343 | FDIC
Latest Report: 2025-12-31

WILSON & MUIR BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in BARDSTOWN, KY, established in Dec. 18, 1865, midnight. As of 2025-12-31, the bank reported total assets of $844M and total deposits of $750M. Profitability stands at 2.54% ROA and 39.78% ROE, with a net interest margin of 4.82%. The bank's CET1 capital ratio is 14.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.18%. FDIC Certificate #17040.

Assets

$844M

Deposits

$750M

Loans

$528M

Equity

$57M

Profitability

Return on Assets (ROA) 2.54%
Return on Equity (ROE) 39.78%
Net Interest Margin (NIM) 4.82%
Yield on Assets 6.01%
Cost of Funds 1.22%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.18%
NPA Ratio 0.01%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 14.42%
Tier 1 Capital 14.42%
Total Capital Ratio 15.40%
Leverage Ratio 9.42%
Loan-to-Deposit 70.34%

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