Wilson & Muir Bank & Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Wilson & Muir Bank & Trust Company is the primary bank subsidiary of its parent holding company, headquartered in Bardstown, KY. As of Q2 2026, the bank held approximately $818M in total assets and $728M in deposits. Profitability is strong, 2.62% ROA, paired with 40.43% ROE and a 4.50% net interest margin. Regulatory capital is solid, 13.94% CET1 and 14.88% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.36%. Wilson & Muir Bank & Trust Company operates a 12-branch network.
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 0.36%, a Texas ratio of 3.36%, per financial data filed with the FFIEC.
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
- Offices
- 12 domestic
- Employees (FTE)
- 146
- Domestic deposits
- $727.6M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $105K
- 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
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Wilson & Muir Bank & Trust Company: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.94% | 2.62% | 0.36% | 3.36% | 4.50% |
| Q1 2026 | 14.40% | 2.48% | 0.36% | 3.26% | 4.33% |
| Q4 2025 | 14.42% | 2.45% | 0.15% | 2.44% | 4.45% |
| Q3 2025 | 13.56% | 2.73% | 0.20% | 2.23% | 4.47% |
| Q2 2025 | 13.05% | 2.75% | 0.13% | 1.84% | 4.54% |
| Q1 2025 | 13.21% | 2.36% | 0.13% | 1.76% | 4.19% |
| Q4 2024 | 13.06% | 2.58% | 0.14% | 1.93% | 4.21% |
| Q3 2024 | 12.17% | 2.44% | 0.62% | 6.84% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 11 branches →
| 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
What the public regulatory sources show for Wilson & Muir Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Wilson & Muir Bank & Trust Company headquartered?
Wilson & Muir Bank & Trust Company is headquartered in Bardstown, KY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Wilson & Muir Bank & Trust Company founded?
Wilson & Muir Bank & Trust Company was established in 1865, per the FDIC institution directory.
Is Wilson & Muir Bank & Trust Company FDIC-insured?
Yes. Wilson & Muir Bank & Trust Company 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Wilson & Muir Bank & Trust Company's CET1 capital ratio?
Wilson & Muir Bank & Trust Company 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?
Wilson & Muir Bank & Trust Company 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?
Wilson & Muir Bank & Trust Company's Texas Ratio is 3.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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