BlastPoint's Banking Scorecard

Wilson & Muir Bank & Trust Company

$100M-$1B Specialty: Commercial KY FDIC cert 17040

Bardstown, KY

12 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

Wilson & Muir Bank & Trust Company has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 35.4% in tier
+ Non-Interest-Bearing Deposit Share 13.37% above tier average
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 18.11% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.0% in tier
- Credit Risk Growth: Bottom 10.9% in tier
- Credit Quality Pressure: Bottom 34.3% in tier

Get updates when Wilson & Muir Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$847.3M -0.8% YoY +0.3% QoQ	+$461.3M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	Top 6.0% in tier
Total Loans ?	$528.0M +2.0% YoY +1.1% QoQ	+$272.3M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	Top 9.1% in tier
Total Deposits ?	$748.1M -3.7% YoY -0.3% QoQ	+$420.2M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	Top 4.7% in tier
Return on Assets ?	2.50% +5.7% YoY -5.2% QoQ	+1.24%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 4.5% in tier
Net Interest Margin ?	4.35% +3.8% YoY -3.6% QoQ	+0.42%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	47.18% -0.8% YoY +4.9% QoQ	-18.11%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	Top 11.6% in tier
Delinquency Rate ?	0.26% +62.9% QoQ	-0.63%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	70.58% +6.0% YoY +1.4% QoQ	-6.06%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	35.39% -14.3% YoY -0.4% QoQ	+13.37%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	Top 9.4% in tier
Nonperforming Asset Ratio ?	0.16% +966.6% YoY +64.2% QoQ	-0.48%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	14.40% +9.0% YoY -0.1% QoQ	-1.43%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.12% +14.9% YoY -76.5% QoQ	-0.16%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	63%

Get Full Access to Wilson & Muir Bank & Trust Company

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#237 of 666 • Top 35.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.50%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Deposit Outflow

decline

#21 of 506 • Bottom 4.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Risk Growth

risk

#107 of 973 • Bottom 10.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#450 of 1308 • Bottom 34.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

121

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.27%

#121 of 2664 Top 4.5% in $100M-$1B

126

Total Deposits

size

Value: $748.12M

Peer Median: $327.97M

#126 of 2664 Top 4.7% in $100M-$1B

162

Total Assets

size

Value: $847.35M

Peer Median: $386.08M

#162 of 2664 Top 6.0% in $100M-$1B

243

Total Loans

size

Value: $528.02M

Peer Median: $255.72M

#243 of 2664 Top 9.1% in $100M-$1B

252

Non-Interest-Bearing Deposit Share

funding

Value: 35.39%

Peer Median: 22.02%

#252 of 2664 Top 9.4% in $100M-$1B

310

Efficiency Ratio

profitability

Value: 47.18%

Peer Median: 65.29%

#310 of 2664 Top 11.6% in $100M-$1B

650

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#650 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available