Wilson Bank&Trust
Lebanon, Tennessee · FDIC Cert #26962
This is the FDIC profile for Wilson Bank&Trust, an FDIC-insured bank (Certificate #26962) with $5.0B in total assets and $4.5B in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lebanon, Tennessee, the bank maintains a Tier 1 capital ratio of 13.37% (Well-Capitalized) and a nonperforming loan ratio of 0.02%. BankHealthData assigns a composite Health Grade of A (84/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Wilson Bank&Trust (FDIC cert 26962) is a mid-sized bank with $5.0B in total assets and $4.5B in deposits, based in Lebanon, Tennessee. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.37% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.02% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 20.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 1.55% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Wilson Bank&Trust carries a composite BankHealth grade of A (84/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Wilson Bank&Trust
- Total Assets
- $5.0B
- Total Deposits
- $4.5B
- Tier 1 Capital Ratio
- 13.37%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.02%
- Liquidity Ratio
- 20.76%
- Return on Assets
- 1.55%
- Headquarters
- Lebanon, Tennessee
- FDIC Certificate
- #26962
- Health Grade
- A (84/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Wilson Bank&Trust files quarterly Call Reports with the FDIC under Certificate #26962. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Wilson Bank&Trust holds a Tier 1 capital ratio of 13.37%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Wilson Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Wilson Bank&Trust shows strong financial health indicators. With $5.0B in assets and a Health Score of 84/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Wilson Bank&Trust Compares
Wilson Bank&Trust’s Health Score of 84 is 5 points above the Tennessee state average of 79 across 95 FDIC-insured banks. Its 13.37% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 0.02% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.55% is in line with or above the national ROA benchmark of ~1.1%. Among 303 similarly-sized banks, the average Health Score is 77, meaning this bank ranks above its size cohort. Site-wide, Wilson Bank&Trust is 4 points above the portfolio average of 80.
Frequently Asked Questions
Wilson Bank&Trust has a Bank Health Score of A (84/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.37%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Wilson Bank&Trust's Tier 1 capital ratio of 13.37% and nonperforming loan ratio of 0.02% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Wilson Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #26962). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Wilson Bank&Trust holds $5.0B in total assets and $4.5B in total deposits. It is headquartered in Lebanon, Tennessee (FDIC Certificate #26962).
Wilson Bank&Trust's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #26962 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Wilson Bank&Trust has a Tier 1 capital ratio of 13.37%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.02%, and the return on assets is 1.55%.
Yes. Wilson Bank&Trust is FDIC-insured (Certificate #26962). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Wilson Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.