Wilson Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Wilson Bank & Trust is an FDIC-insured commercial bank headquartered in Lebanon, TN, established in 1987 (FDIC certificate 26962), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.98B, up 6.2% from Q2 2025, the 5th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 14.35% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26962
- Headquarters
- Lebanon, TN
- Established
- 1987
- Total assets, Q2 2026
- $5.98B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 14.35%
- Domestic offices
- 32 FDIC institution directory, current count
- Routing number
- 064103529
- Latest call report
- Q2 2026, FFIEC 041 · Wilson Bank & Trust call report
- Holding company
- WILSON BANK HOLDING COMPANY
- Asset rank in state
- 5th of 109 in Tennessee
Problem loans are rising at Wilson Bank & Trust. Its balance sheet stood at $6.0 billion at June 30, 2026, up 6.2% from a year earlier; it is based in Lebanon, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.24% a year earlier.
Its $836 million non-owner-occupied commercial real estate book is improving, with 0.25% past due or on nonaccrual, down from 2.89% a year earlier.
As of June 30, 2026, Wilson Bank & Trust reported a CET1 capital ratio of 14.35%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 4.38%. The figures come from its call report filed with the FFIEC.
Wilson Bank & Trust ranks as the 5th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.2% to $5.98B, loans rose 2.0% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.5% of total loans, followed by construction and land development loans at 19.1%. Its 32 offices in the FDIC Summary of Deposits are in 19 cities in TN; its Lebanon 5 offices book 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, Wilson Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 623 W Main St, Lebanon, TN 37087
- County
- Wilson
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- May 11, 1987
- Former names
- Wilson Bank and Trust (2006)
- Domestic offices
- 32 FDIC institution directory, current count
- Employees (FTE)
- 654
- Domestic deposits
- $5.33B
- Allowance for credit losses
- $57.8M
- Net charge-offs (YTD)
- $800K
- Average total assets
- $6.09B
- Average total loans
- $4.40B
- Average interest-bearing deposits
- $4.93B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 11, 1987
- FDIC Cert
- 26962
- Fed RSSD
- 159636
- SEC CIK
- 885275 → filed by WILSON BANK HOLDING COMPANY
- Website
- www.wilsonbank.com →
- Parent Holding Company
- WILSON BANK HOLDING COMPANY (RSSD 2004141) · WBHC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| John Mcdearman | CEO | President & CEO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wilson Bank & Trust's total assets ranged from $4.62B (Q3 2023) to $5.99B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.98B total assets against $5.63B; $5.38B total liabilities against $5.11B.
$4.43B net loans and leases against $4.24B; $5.33B total deposits against $5.06B.
$1.05B securities against $893.7M; $245.2M cash and balances due against $245.4M.
$84.9M total interest income against $80.8M; $30.9M total interest expense against $32.2M.
$54.0M net interest income against $48.7M.
$11.3M total noninterest income against $10.8M; $35.6M total noninterest expense against $31.2M.
$1.6M provision for credit losses against $2.6M.
$21.6M net income against $19.8M.
1.42% return on assets against 1.40%; 3.70% net interest margin against 3.59%.
14.35% CET1 capital ratio against 13.31%; 10.85% tier 1 leverage ratio against 10.36%.
Inside the full Wilson Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Wilson Bank & Trust rankings
Its closest position to the top of a national ranking is 246 of 4,196, for total assets; its furthest is 696 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q3 2024) to 1.51% (Q4 2025) and its net interest margin ran from 3.23% (Q4 2024) to 3.75% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.35% | 1.42% | 0.63% | 4.38% | 3.70% |
| Q1 2026 | 14.29% | 1.51% | 0.52% | 3.67% | 3.75% |
| Q4 2025 | 14.31% | 1.51% | 0.65% | 4.60% | 3.68% |
| Q3 2025 | 13.64% | 1.26% | 0.89% | 6.52% | 3.50% |
| Q2 2025 | 13.31% | 1.40% | 0.24% | 1.84% | 3.59% |
| Q1 2025 | 13.34% | 1.23% | 0.12% | 0.90% | 3.36% |
| Q4 2024 | 13.16% | 1.14% | 0.14% | 1.07% | 3.23% |
| Q3 2024 | 13.10% | 1.00% | 0.15% | 1.13% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 32 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Wilson Bank and Trust | Lebanon , TN | 37087 | $873.5M |
| Mt. Juliet Branch | Mount Juliet , TN | 37122 | $369.3M |
| Cookeville Office Branch | Cookeville , TN | 38501 | $336.3M |
| Memorial Branch | Murfreesboro , TN | 37129 | $251.1M |
| Smithville Office | Smithville , TN | 37166 | $230.8M |
| Hermitage Office Branch | Hermitage , TN | 37076 | $224.7M |
| Broad Street Office | Murfreesboro , TN | 37129 | $213.3M |
| Lebanon Branch | Lebanon , TN | 37087 | $204.4M |
| Carothers Parkway Office | Franklin , TN | 37067 | $185.3M |
| Hendersonville Office | Hendersonville , TN | 37075 | $166.2M |
| Gladeville Tennessee Branch | Mount Juliet , TN | 37122 | $161.0M |
| Carthage Office | Carthage , TN | 37030 | $153.7M |
| West End Office Branch | Nashville , TN | 37203 | $149.2M |
| Church Street Branch | Murfreesboro , TN | 37127 | $146.3M |
| Gallatin Office | Gallatin , TN | 37066 | $144.4M |
| Tennessee Boulevard Branch | Lebanon , TN | 37087 | $141.2M |
| Hartsville Office | Hartsville , TN | 37074 | $138.4M |
| Providence Office Branch | Mount Juliet , TN | 37122 | $138.4M |
| Wilson Bank & Trust - Greenlee Office Branch | Gallatin , TN | 37066 | $133.4M |
| Highway 96 Office | Murfreesboro , TN | 37128 | $129.9M |
| Watertown Branch | Watertown , TN | 37184 | $121.7M |
| Highway 70 Branch | Mount Juliet , TN | 37122 | $118.2M |
| Donelson Branch | Nashville , TN | 37214 | $116.8M |
| Smyrna Office Branch | Smyrna , TN | 37167 | $99.9M |
| Leeville 109 Branch | Lebanon , TN | 37090 | $92.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2005 | Structure Change | Acquired DeKalb Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.1% of deposits in TN, rank 8 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,968 applications, 1,358 loans originated, $508.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $4.8M approved, $967K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wilson Bank & Trust
What are Wilson Bank & Trust's total assets?
As of the Q2 2026 filing, Wilson Bank & Trust reported total assets of $5.98 billion in its FFIEC call report.
Where is Wilson Bank & Trust headquartered?
It is headquartered in Lebanon, TN, United States.
When was Wilson Bank & Trust founded?
It was established in 1987, per the FDIC institution directory.
Is Wilson Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26962). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilson Bank & Trust?
Wilson Bank & Trust's primary federal regulator is the FDIC.
What is Wilson Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.35% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilson Bank & Trust operate?
It operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilson Bank & Trust's Texas Ratio?
Its Texas Ratio is 4.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Wilson Bank & Trust previously called?
The charter now named Wilson Bank & Trust has also operated as Wilson Bank and Trust (2006), per FDIC structure-change records.
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