Wilson Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 27.11 percentage points lower than in Q1 2026, at 201.05%. Within Tennessee, Wilson Bank & Trust is 36th of 109 on return on assets, 1.42% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Wilson Bank & Trust sits 0.14 points higher, at 1.42% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.35% |
| Tier 1 risk-based capital ratio | 14.35% |
| Total risk-based capital ratio | 15.60% |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 10.09% |
| Tangible equity to tangible assets | 10.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 4.90% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 201.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 14.53% |
| Net interest margin | 3.70% |
| Efficiency ratio | 54.40% |
| Yield on earning assets | 5.81% |
| Cost of funds | 2.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.18% |
| Core deposits to total deposits | 86.78% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.11% |
| Securities to assets | 17.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.71% | 12.71% | 13.93% | 10.62% | 1.03% |
| Q4 2023 | 13.26% | 13.26% | 14.51% | 10.57% | 0.94% |
| Q1 2024 | 13.48% | 13.48% | 14.72% | 10.43% | 1.04% |
| Q2 2024 | 13.37% | 13.37% | 14.58% | 10.44% | 1.32% |
| Q3 2024 | 13.10% | 13.11% | 14.33% | 10.39% | 1.00% |
| Q4 2024 | 13.16% | 13.16% | 14.39% | 10.28% | 1.14% |
| Q1 2025 | 13.34% | 13.34% | 14.59% | 10.42% | 1.23% |
| Q2 2025 | 13.31% | 13.31% | 14.56% | 10.36% | 1.40% |
| Q3 2025 | 13.64% | 13.64% | 14.89% | 10.37% | 1.26% |
| Q4 2025 | 14.31% | 14.31% | 15.56% | 10.57% | 1.51% |
| Q1 2026 | 14.29% | 14.29% | 15.54% | 10.70% | 1.51% |
| Q2 2026 | 14.35% | 14.35% | 15.60% | 10.85% | 1.42% |
Wilson Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wilson Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26962) · FFIEC NIC profile (RSSD 159636)