Side-by-side · Q2 2026 data
Wilson Bank and Trust vs SmartBank
Metric by metric
| Measure | Wilson Bank and Trust | SmartBank |
|---|---|---|
| TellerScore | 72 (stronger) | 66 |
| Capital cushion | 58 (stronger) | 49 |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 79 (stronger) | 65 |
| Funding & liquidity | 66 (stronger) | 38 |
| Problem-loan coverage | 91 | 97 (stronger) |
| Peer percentile | 66th | 40th |
| Total assets | $6.0B | $6.1B |
| Deposits / shares | $5.3B | $5.4B |
| Capital ratio | 10.85% (stronger) | 9.86% |
| Problem loans | 0.63% | 0.24% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.48% (stronger) | 1.12% |
| Loans ÷ deposits | 83.1% (stronger) | 86.2% |
| Uninsured deposits | 25.4% (stronger) | 47.9% |
| Offices | 32 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 12.9% |
Wilson Bank and Trust has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Wilson Bank and Trust leads on 5 and SmartBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.