Bank Comparison
Wilson Bank & Trust vs River City Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| CET1 Ratio | 14.29% | 13.14% |
| Tier 1 Capital Ratio | 14.29% | 13.14% |
| Total Capital Ratio | 15.54% | 14.41% |
| Tier 1 Leverage Ratio | 10.70% | 9.35% |
| Equity / Assets | 9.76% | 9.32% |
Profitability
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 1.20% |
| Return on Equity (ROE) | 15.49% | 12.91% |
| Net Interest Margin (NIM) | 3.75% | 2.42% |
| Yield on Earning Assets | 5.87% | 4.91% |
| Cost of Funds | 2.29% | 2.76% |
Asset quality
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| Texas Ratio | 4.03% | 0.00% |
| Non-Performing Loan Ratio | 0.57% | 0.00% |
| Non-Performing Asset Ratio | 0.43% | 0.00% |
| Net Charge-Off Ratio | 0.03% | 0.00% |
| ACL / Loans | 1.30% | 2.31% |
Balance sheet
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| Total Assets | $5,989M | $6,047M |
| Total Deposits | $5,352M | $5,386M |
| Total Loans | $4,396M | $4,557M |
| Total Equity | $584,702K | $563,858K |
| Net Income (quarter) | $22,524K | $17,946K |
Liquidity & funding
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 82.14% | 84.61% |
| Core Deposit Ratio | 86.70% | 97.85% |
| Uninsured Deposit Ratio | 26.55% | 39.03% |
Identity
| Metric | Wilson Bank & Trust | River City Bank |
|---|---|---|
| Headquarters City | LEBANON | SACRAMENTO |
| Headquarters State | TN | CA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 32 | 9 |
| Employees (FTE) | 643 | 158 |
| Established | May 11, 1987, midnight | Dec. 16, 1963, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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