Wilson & Muir Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Wilson & Muir Bank & Trust Company is an FDIC-insured commercial bank headquartered in Bardstown, KY, established in 1865 (FDIC certificate 17040), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $818.4M, up 1.9% from Q2 2025, the 20th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 13.94% 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
- 17040
- Headquarters
- Bardstown, KY
- Established
- 1865
- Total assets, Q2 2026
- $818.4M
- Assets vs Q2 2025
- +1.9%
- CET1 ratio, Q2 2026
- 13.94%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 083902044
- Latest call report
- Q2 2026, FFIEC 041 · Wilson & Muir Bank & Trust Company call report
- Holding company
- WILSON & MUIR BANCORP, INC.
- Asset rank in state
- 20th of 120 in Kentucky
Wilson & Muir Bank & Trust Company is one of the more profitable banks of its size. Its balance sheet stood at $818 million at June 30, 2026, up 1.9% from a year earlier; it is based in Bardstown, Kentucky. It earns about $2.62 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.86% on its deposits and borrowings, about half the median of 1.80% for banks its size. Much of that comes from cost control: it spends about 45 cents to bring in each dollar of revenue.
Paper losses on its bond portfolio are shrinking: unrealized losses of $25 million equal 30% of Tier 1 capital, down from 41% a year earlier. Delinquency has appeared in its $99 million non-owner-occupied commercial real estate book: 0.96% of those loans are past due or on nonaccrual, against almost none a year earlier. Where it has less room is capital: it funds 9.43% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Wilson & Muir Bank & Trust Company reported a CET1 capital ratio of 13.94%, a return on assets of 2.62%, a nonperforming-loan ratio of 0.27% and a Texas ratio of 2.39%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wilson & Muir Bank & Trust Company is the 20th largest of the 120 banks headquartered in Kentucky. From Q1 2026 to Q2 2026, its total assets fell 3.4% to $818.4M, loans rose 3.1% and deposits fell 2.7%. 1-4 family residential loans made up 41.4% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.1%. The FDIC Summary of Deposits lists 11 offices for it, in 7 cities in KY; its Bardstown 3 offices book 46% of its branch deposits. Judged on its Q2 2026 call report, Wilson & Muir Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 107 N 3rd St, Bardstown, KY 40004
- County
- Nelson
- Metro Area
- Louisville-Jefferson County, KY-IN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- December 18, 1865
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 146
- Domestic deposits
- $727.6M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $856.9M
- Average total loans
- $542.6M
- Average interest-bearing deposits
- $685.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1951
- FDIC Cert
- 17040
- Fed RSSD
- 899343
- Website
- www.wilsonmuirbank.com →
- Parent Holding Company
- WILSON & MUIR BANCORP, INC. (RSSD 1099122)
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 & Muir Bank & Trust Company's total assets ranged from $719.0M (Q3 2023) to $854.4M (Q1 2025), 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
$818.4M total assets against $802.9M; $762.2M total liabilities against $759.5M.
$544.3M net loans and leases against $521.6M; $727.6M total deposits against $719.8M.
$218.0M securities against $215.2M; $34.8M cash and balances due against $45.5M.
$11.4M total interest income against $11.5M; $2.1M total interest expense against $2.3M.
$9.3M net interest income against $9.2M.
$1.2M total noninterest income against $1.0M; $4.7M total noninterest expense against $4.3M.
$94K provision for credit losses against $82K.
$5.6M net income against $5.8M.
2.62% return on assets against 2.75%; 4.50% net interest margin against 4.54%.
13.94% CET1 capital ratio against 13.05%; 9.43% tier 1 leverage ratio against 8.71%.
Inside the full Wilson & Muir Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWilson & Muir Bank & Trust Company rankings
Its closest position to the top of a national ranking is 130 of 3,611, for ROA; its furthest is 2,100 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.36% (Q1 2025) to 2.75% (Q2 2025) and its net interest margin ran from 4.19% (Q3 2024) to 4.54% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.94% | 2.62% | 0.27% | 2.39% | 4.50% |
| Q1 2026 | 14.40% | 2.48% | 0.25% | 2.25% | 4.33% |
| Q4 2025 | 14.42% | 2.45% | 0.16% | 1.32% | 4.45% |
| Q3 2025 | 13.56% | 2.73% | 0.11% | 1.04% | 4.47% |
| Q2 2025 | 13.05% | 2.75% | 0.05% | 0.52% | 4.54% |
| Q1 2025 | 13.21% | 2.36% | 0.00% | 0.28% | 4.19% |
| Q4 2024 | 13.06% | 2.58% | 0.00% | 0.29% | 4.21% |
| Q3 2024 | 12.17% | 2.44% | 0.44% | 4.92% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 & Muir Bank & Trust Company (main office) | Bardstown , KY | 40004 | $259.4M |
| Leitchfield Main Street Branch | Leitchfield , KY | 42754 | $172.8M |
| Plaza Branch | Bardstown , KY | 40004 | $60.0M |
| St. Matthews Branch | Louisville , KY | 40207 | $52.0M |
| Bloomfield Branch | Bloomfield , KY | 40008 | $40.6M |
| Vine Grove Branch | Vine Grove , KY | 40175 | $38.5M |
| Big Clifty Branch | Big Clifty , KY | 42712 | $35.2M |
| Elizabethtown Branch | Elizabethtown , KY | 42701 | $30.7M |
| Leitchfield Elizabethtown Road Branch | Leitchfield , KY | 42754 | $25.3M |
| Culpeper Branch | Bardstown , KY | 40004 | $13.2M |
| Drive-In Facility | Bloomfield , KY | 40008 | $0 |
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 |
|---|---|---|---|
| March 19, 2002 | Structure Change | Acquired Bankers Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 2001 | Structure Change | Acquired The Citizens Bank and Trust Company of Grayson County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 20, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 1999 | Structure Change | Acquired Farmers Bank of Vine Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 29, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 1982 | Structure Change | Acquired Wilson & Muir Bank & Trust Company 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 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in KY, rank 34 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 399 applications, 352 loans originated, $88.3M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $883K approved, $441K 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 & Muir Bank & Trust Company
What are Wilson & Muir Bank & Trust Company's total assets?
As of the Q2 2026 filing, Wilson & Muir Bank & Trust Company reported total assets of $818.4 million in its FFIEC call report.
Where is Wilson & Muir Bank & Trust Company headquartered?
It is headquartered in Bardstown, KY, United States.
When was Wilson & Muir Bank & Trust Company founded?
It was established in 1865, per the FDIC institution directory.
Is Wilson & Muir Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wilson & Muir Bank & Trust Company?
Wilson & Muir Bank & Trust Company's primary federal regulator is the FDIC.
What is Wilson & Muir Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Wilson & Muir Bank & Trust Company operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wilson & Muir Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 2.39% 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.
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