TellerScore

Headquartered in Lebanon, Tennessee, Wilson Bank and Trust is a state-chartered bank with $6.0B in total assets and $5.3B in deposits as of Q2 2026. It operates 32 offices. Its charter dates back to 1987.

Wilson Bank and Trust has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 897 banks with $1 billion – $10 billion. Among 109 banks headquartered in Tennessee, it ranks 46th. Problem-loan coverage contributes the most (91/100, 4.3%); capital cushion contributes the least (58/100, 10.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.85%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 83.1% · 25.4% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.34%

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 (72 → 72).

TellerScore
667074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202472
Q1 202573
Q2 202572
Q3 202566
Q4 202570
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%7.92%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.44%
Q3 202410.39%
Q4 202410.28%
Q1 202510.42%
Q2 202510.36%
Q3 202510.37%
Q4 202510.57%
Q1 202610.70%
Q2 202610.85%
Noncurrent loans
0.02%0.46%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.15%
Q4 20240.14%
Q1 20250.12%
Q2 20250.24%
Q3 20250.89%
Q4 20250.65%
Q1 20260.52%
Q2 20260.63%
Return on assets
1.14%1.33%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.14%
Q4 20241.15%
Q1 20251.24%
Q2 20251.33%
Q3 20251.32%
Q4 20251.38%
Q1 20261.52%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$6.0B10.85%0.63%1.48%83.1%
Q1 202673$6.0B10.70%0.52%1.52%81.1%
Q4 202570$5.9B10.57%0.65%1.38%81.8%
Q3 202566$5.8B10.37%0.89%1.32%82.5%
Q2 202572$5.6B10.36%0.24%1.33%83.8%
Q1 202573$5.5B10.42%0.12%1.24%83.1%
Q4 202472$5.4B10.28%0.14%1.15%83.6%
Q3 202472$5.3B10.39%0.15%1.14%83.6%
Q2 202474$5.0B10.44%0.02%1.21%82.4%

897 peers · $1 billion – $10 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 ratio10.85%
58th
Total risk-based capital15.60%
73rd
Problem loans0.63%
41st
Net charge-offs0.04%
50th
Return on assets1.48%
69th
Net interest margin3.80%
56th
Efficiency ratio52.7%
69th
Loans to deposits83.1%
60th
Uninsured deposits25.4%
69th
Loan-loss reserves1.29%
68th
Texas ratio4.3%
43rd

Similar-size banks in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
SmartBankBank Pigeon Forge, TN66 out of 100, Moderate$6.1B9.9%0.24%vs
SouthEast BankBank Farragut, TN36 out of 100, Low$3.6B8.5%2.66%vs
Lawrence BankBank Nashville, TN69 out of 100, Moderate$3.0B9.8%0.17%vs
Home Federal Bank of TennesseeBank Knoxville, TN57 out of 100, Moderate$2.7B17.2%3.92%vs
Commercial BankBank Harrogate, TN77 out of 100, Strong$2.4B11.6%0.35%vs
Builtwell BankBank Chattanooga, TN73 out of 100, Strong$2.3B9.7%0.57%vs

Deposit insurance

Is my money safe at Wilson Bank and Trust?

Yes. Wilson Bank and Trust is an FDIC-insured institution (FDIC certificate #26962). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.4% of deposits ($1.4B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.85%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.60% (benchmark: 10%).

Check how much of your own balance is covered

32 locations

Branches

Wilson Bank and Trust lists 32 offices in 19 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Wilson Bank and Trust reported 1,983 home-loan applications under HMDA (LEI 254900PVWALA7JTBXA31): 1,363 originated ($510,765,000 total), 226 denied, and 209 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.7%, 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 Bank and Trust
Type
State-chartered bank
FDIC certificate #
26962
RSSD ID
159636
Primary regulator
FDIC
Holding company
Wilson Bank Holding Co
Established
May 11, 1987
Headquarters
623 W Main St, Lebanon, TN 37087
Employees
654

Quick answers

Wilson Bank and Trust: common questions

Is Wilson Bank and Trust FDIC insured?

Yes. Wilson Bank and Trust is an FDIC-insured institution (FDIC certificate #26962). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wilson Bank and Trust's TellerScore?

72 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 Bank and Trust ever failed?

There is no failure record for FDIC certificate #26962 in the FDIC failed bank list.

How many branches does Wilson Bank and Trust have?

32 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Lebanon

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Citizens BankBank Carthage, TN92 out of 100, Very strong$832.5M16.3%0.62%vs
The Farmers BankBank Portland, TN89 out of 100, Very strong$942.8M15.1%0.53%vs
Heritage South Community Credit UnionCredit union Shelbyville, TN88 out of 100, Very strong$361.9M17.1%0.75%vs
First Freedom BankBank Lebanon, TN85 out of 100, Very strong$817.8M12.5%0.01%vs
Ascend Federal Credit UnionCredit union Tullahoma, TN83 out of 100, Strong$4.8B14.6%0.49%vs