Wilson Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wilson Bank & Trust of Lebanon, TN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.42% | 1.46% | -0.04% | 61st above |
| ROAE | 14.53% | 12.71% | +1.82% | 68th above |
| Net Interest Margin | 3.70% | 3.85% | -0.15% | 49th below |
| Efficiency Ratio | 54.40% | 57.41% | -3.01% | 62nd above |
| PPNR / Avg Assets | 1.95% | 1.88% | +0.07% | 66th above |
| Yield on Earning Assets | 5.81% | 5.72% | +0.09% | 66th above |
| Cost of Funds | 2.30% | 2.02% | +0.28% | 30th below |
| Net Interest Spread | 3.30% | 3.18% | +0.12% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.64% | 1.00% | -0.36% | 48th below |
| NPA / Total Assets | 0.49% | 0.76% | -0.27% | 50th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.29% | 1.31% | -0.02% | 68th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 201.05% | 544.16% | -343.11% | 55th above |
| Texas Ratio | 4.90% | 7.39% | -2.49% | 50th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 446.12% | 619.08% | -172.96% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.35% | 17.34% | -2.99% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.35% | 17.38% | -3.03% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.60% | 18.43% | -2.83% | 65th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.85% | 11.44% | -0.59% | 58th above |
| Equity / Assets | 10.09% | 11.34% | -1.25% | 44th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.00% | 10.50% | -0.50% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.18% | 86.96% | -2.78% | 60th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 86.78% | 85.55% | +1.23% | 41st below |
| Uninsured Deposit Ratio | 25.36% | 33.14% | -7.78% | 70th above |
| Wholesale Funding Ratio | 0.07% | 5.72% | -5.65% | 96th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.19% | 9.69% | -3.50% | 57th above |
| Loan Growth (Y/Y) | 4.46% | 8.06% | -3.60% | 43rd below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.36% | 7.88% | -2.52% | 54th above |
See Wilson Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wilson Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Wilson Bank & Trust profile, how to read a UBPR, or how this data updates.