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Wilson Bank And Trust
Lebanon, TN · FDIC Certificate #26962 · Chartered 05/1
Total assets
$5.98B
Total deposits
$5.33B
Total equity
$603.47M
Net loans
$4.43B
Branches (offices)
32
Net income (YTD)
$44.10M
Rank: #252 of 4,213 U.S. banks by assets · #5 of 109 in Tennessee. Assets changed 6.2% and deposits 5.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 14.98% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 10.09% |
| Tier 1 leverage ratio | 10.85% |
| Uninsured deposits (share of deposits) | 25.4% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 83.1% |
| Real estate loans (share of loans) | 95.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.22B | 95.4% | |
| Commercial & industrial | $183.21M | 4.1% | |
| Consumer / individual | $33.59M | 0.8% | |
| Construction & development | $856.26M | 19.3% | |
| Agricultural | $678.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.10B | $3.71B | $26.46M | $363.00M |
| Jun 2023 | $4.60B | $4.17B | $26.99M | $391.25M |
| Jun 2024 | $4.99B | $4.51B | $29.71M | $440.18M |
| Jun 2025 | $5.63B | $5.06B | $36.71M | $523.23M |
| Jun 2026 | $5.98B | $5.33B | $44.10M | $603.47M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $5.33B | 32 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.33B.
Similar-sized banks
Banesco Usa ($5.98B) · Fremont Bank ($5.97B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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