Side-by-side · Q2 2026 data
Wilson & Muir Bank & Trust Company vs Franklin Bank & Trust Company
Metric by metric
| Measure | Wilson & Muir Bank & Trust Company | Franklin Bank & Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 44 | 85 (stronger) |
| Loan quality | 91 (stronger) | 64 |
| Earnings | 100 (stronger) | 83 |
| Funding & liquidity | 69 (stronger) | 53 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 64th | 61st |
| Total assets | $818.4M | $803.6M |
| Deposits / shares | $727.6M | $650.7M |
| Capital ratio | 9.43% | 13.48% (stronger) |
| Problem loans | 0.27% (stronger) | 1.08% |
| Net charge-offs | 0.04% (stronger) | 0.15% |
| Return on assets | 2.61% (stronger) | 1.57% |
| Loans ÷ deposits | 74.8% (stronger) | 105.0% |
| Uninsured deposits | 29.8% | 16.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.3% | 2.3% |
Wilson & Muir Bank & Trust Company has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Wilson & Muir Bank & Trust Company leads on 5 and Franklin Bank & Trust Company on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.