Wilson Bank&Trust
Lebanon, Tennessee · FDIC Cert #26962
Wilson Bank&Trust is an FDIC-insured bank (Certificate #26962) with $5.0B in total assets and $4.5B in total deposits as of the Q2 2024 Call Report. 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). 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
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 14 points above the Tennessee state average of 70 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 304 similarly-sized banks, the average Health Score is 73, meaning this bank ranks above its size cohort. Site-wide, Wilson Bank&Trust is 14 points above the portfolio average of 70.
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 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.