TellerScore

Wilson & Muir Bank & Trust Company is a state-chartered bank headquartered in Bardstown, Kentucky, in business for about 161 years. At the end of Q2 2026 it reported $818.4M in total assets and $727.6M in deposits, with 12 offices.

Based on its Q2 2026 filing, Wilson & Muir Bank & Trust Company scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 120 banks headquartered in Kentucky, it ranks 39th. Its strongest component is earnings (100/100; 2.61%), and its lowest is capital cushion (44/100; 9.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.43%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings100/100
Return on assets (annualized): 2.61%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 74.8% · 29.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.39%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202477
Q1 202578
Q2 202576
Q3 202577
Q4 202577
Q1 202677
Q2 202676
Tier 1 leverage ratio
5.00%7.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.25%
Q3 20248.36%
Q4 20248.80%
Q1 20258.96%
Q2 20258.71%
Q3 20258.98%
Q4 20259.42%
Q1 20269.48%
Q2 20269.43%
Noncurrent loans
0.00%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.44%
Q4 20240.00%
Q1 20250.00%
Q2 20250.05%
Q3 20250.11%
Q4 20250.16%
Q1 20260.25%
Q2 20260.27%
Return on assets
2.37%2.53%2.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.40%
Q3 20242.44%
Q4 20242.52%
Q1 20252.37%
Q2 20252.62%
Q3 20252.69%
Q4 20252.64%
Q1 20262.50%
Q2 20262.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$818.4M9.43%0.27%2.61%74.8%
Q1 202677$847.3M9.48%0.25%2.50%70.6%
Q4 202577$844.5M9.42%0.16%2.64%69.6%
Q3 202577$808.9M8.98%0.11%2.69%71.2%
Q2 202576$802.9M8.71%0.05%2.62%72.5%
Q1 202578$854.4M8.96%0.00%2.37%66.6%
Q4 202477$786.7M8.80%0.00%2.52%73.1%
Q3 202471$787.0M8.36%0.44%2.44%73.0%
Q2 202471$770.8M8.25%0.48%2.40%72.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.43%
20th
Total risk-based capital14.88%
67th
Problem loans0.27%
59th
Net charge-offs0.04%
31st
Return on assets2.61%
96th
Net interest margin4.49%
80th
Efficiency ratio46.2%
89th
Loans to deposits74.8%
61st
Uninsured deposits29.8%
29th
Loan-loss reserves0.98%
24th
Texas ratio2.4%
54th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Cumberland Valley National Bank & Trust CompanyBank London, KY69 out of 100, Moderate$816.1M9.5%0.22%vs
Franklin Bank & Trust CompanyBank Franklin, KY75 out of 100, Strong$803.6M13.5%1.08%vs
Farmers Bank and Trust CompanyBank Marion, KY74 out of 100, Strong$794.0M9.2%0.23%vs
FNB Bank, Inc.Bank Mayfield, KY65 out of 100, Moderate$770.0M8.5%0.68%vs
First & Farmers National Bank, Inc.Bank Somerset, KY75 out of 100, Strong$714.2M11.5%0.77%vs
American Bank & Trust Company, Inc.Bank Bowling Green, KY59 out of 100, Moderate$924.4M9.9%1.22%vs

Deposit insurance

Is my money safe at Wilson & Muir Bank & Trust Company?

Yes. Wilson & Muir Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($216.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.88% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Wilson & Muir Bank & Trust Company lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wilson & Muir Bank & Trust Company reported 399 home-loan applications under HMDA (LEI 549300TMWSYX6B5ZOK69): 352 originated ($88,290,000 total), 12 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Wilson & Muir Bank & Trust Company
Former names
Muir, Wilson & Muir
Type
State-chartered bank
FDIC certificate #
17040
RSSD ID
899343
Primary regulator
FDIC
Holding company
Wilson&muir Bcorp Inc
Established
December 18, 1865
Headquarters
107 N 3rd St, Bardstown, KY 40004
Employees
146

Quick answers

Wilson & Muir Bank & Trust Company: common questions

Is Wilson & Muir Bank & Trust Company FDIC insured?

Yes. Wilson & Muir Bank & Trust Company is an FDIC-insured institution (FDIC certificate #17040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wilson & Muir Bank & Trust Company's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Wilson & Muir Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #17040 in the FDIC failed bank list.

How many branches does Wilson & Muir Bank & Trust Company have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bardstown

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Town & Country Bank and Trust CompanyBank Bardstown, KY82 out of 100, Strong$433.7M12.7%0.42%vs
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Community Trust Bank, Inc.Bank Pikeville, KY80 out of 100, Strong$6.9B13.4%0.58%vs
Springfield State BankBank Springfield, KY79 out of 100, Strong$486.9M14.0%0.56%vs