Wilson & Muir Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Wilson & Muir Bank & Trust Company of Bardstown, KY against its peer group of 2672 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 | 2.62% | 1.34% | +1.28% | 95th top |
| ROAE | 40.43% | 12.04% | +28.39% | 99th top |
| Net Interest Margin | 4.50% | 3.90% | +0.60% | 79th top |
| Efficiency Ratio | 44.78% | 63.16% | -18.38% | 90th top |
| PPNR / Avg Assets | 2.66% | 1.64% | +1.02% | 92nd top |
| Yield on Earning Assets | 5.51% | 5.65% | -0.14% | 46th below |
| Cost of Funds | 0.86% | 1.85% | -0.99% | 94th top |
| Net Interest Spread | 3.84% | 3.35% | +0.49% | 77th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.92% | -0.56% | 53rd above |
| NPA / Total Assets | 0.24% | 0.67% | -0.43% | 56th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.98% | 1.28% | -0.30% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 274.30% | 1645.72% | -1371.42% | 57th above |
| Texas Ratio | 3.36% | 7.15% | -3.79% | 51st above |
| Provision / NCO | 39.05% | 1189.90% | -1150.85% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.94% | 20.83% | -6.89% | 38th below |
| Tier 1 Ratio | 13.94% | 20.87% | -6.93% | 38th below |
| Total Capital Ratio | 14.88% | 21.94% | -7.06% | 36th below |
| Leverage Ratio | 9.43% | 12.46% | -3.03% | 20th bottom |
| Equity / Assets | 6.87% | 11.67% | -4.80% | 6th bottom |
| TCE / Tangible Assets | 6.87% | 11.40% | -4.53% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 75.55% | 78.64% | -3.09% | 60th above |
| Core Deposit Ratio | 89.06% | 87.09% | +1.97% | 50th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.73% | 5.11% | -1.38% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.93% | 6.48% | -4.55% | 32nd below |
| Loan Growth (Y/Y) | 4.33% | 7.64% | -3.31% | 44th below |
| Deposit Growth (Y/Y) | 1.09% | 6.02% | -4.93% | 30th below |
See Wilson & Muir Bank & Trust Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Wilson & Muir Bank & Trust Company, 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 & Muir Bank & Trust Company profile, how to read a UBPR, or how this data updates.