Wilson & Muir Bank & Trust Company: 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.
Reserve coverage of non-performing loans dropped 5.79 percentage points in Q2 2026, from 280.09% to 274.30%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Wilson & Muir Bank & Trust Company ranks 3rd highest among the 119 banks headquartered in Kentucky, at 2.62% (Q2 2026). Wilson & Muir Bank & Trust Company's return on assets of 2.62% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.37 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.94% |
| Tier 1 risk-based capital ratio | 13.94% |
| Total risk-based capital ratio | 14.88% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 6.87% |
| Tangible equity to tangible assets | 6.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 3.36% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 274.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.62% |
| Return on equity | 40.43% |
| Net interest margin | 4.50% |
| Efficiency ratio | 44.78% |
| Yield on earning assets | 5.51% |
| Cost of funds | 0.86% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.55% |
| Core deposits to total deposits | 89.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.91% |
| Securities to assets | 26.63% |
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 | 12.39% | 12.39% | 13.34% | 8.13% | 2.37% |
| Q4 2023 | 13.04% | 13.04% | 14.03% | 8.55% | 2.14% |
| Q1 2024 | 12.35% | 12.35% | 13.28% | 8.53% | 2.32% |
| Q2 2024 | 12.13% | 12.13% | 13.06% | 8.25% | 2.30% |
| Q3 2024 | 12.17% | 12.17% | 13.09% | 8.36% | 2.44% |
| Q4 2024 | 13.06% | 13.06% | 13.97% | 8.80% | 2.58% |
| Q1 2025 | 13.21% | 13.21% | 14.10% | 8.96% | 2.36% |
| Q2 2025 | 13.05% | 13.05% | 14.00% | 8.71% | 2.75% |
| Q3 2025 | 13.56% | 13.56% | 14.48% | 8.98% | 2.73% |
| Q4 2025 | 14.42% | 14.42% | 15.40% | 9.42% | 2.45% |
| Q1 2026 | 14.40% | 14.40% | 15.36% | 9.48% | 2.48% |
| Q2 2026 | 13.94% | 13.94% | 14.88% | 9.43% | 2.62% |
Wilson & Muir Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson & Muir Bank & Trust Company, 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 & Muir Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17040) · FFIEC NIC profile (RSSD 899343)