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Wilson & Muir Bank & Trust Company

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

Bardstown, KY

12 branches across KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 88 in KY.
  • Deposits +1.1% year over year ($727.6M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 2.61%.
  • Efficiency ratio 46.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.81% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY
View $100M-$1B leaderboard (KY) →

Wilson & Muir Bank & Trust Company has 4 strengths but faces 2 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 46.6% in tier
  • + Deposit Franchise: Top 64.4% in tier
  • + Efficiency Ratio 18.26% below tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 22.8% in tier
  • - Credit Quality Pressure: Bottom 33.5% in tier
Get updates when Wilson & Muir Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $818.4M
+1.9% YoY -3.4% QoQ
+$431.8M $386.6M
+1.2% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
Top 7.0% in tier
Total Loans ? $544.3M
+4.4% YoY +3.1% QoQ
+$286.0M $258.3M
+1.7% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Top 8.3% in tier
Total Deposits ? $727.6M
+1.1% YoY -2.7% QoQ
+$400.9M $326.7M
+0.7% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Top 5.0% in tier
Return on Assets ? 2.61%
-0.5% YoY +4.1% QoQ
+1.29% 1.32%
+10.8% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Top 3.7% in tier
Net Interest Margin ? 4.49%
+0.9% YoY +3.3% QoQ
+0.51% 3.99%
+5.0% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
79%
Efficiency Ratio ? 46.22%
+3.1% YoY -2.0% QoQ
-18.26% 64.48%
-3.2% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Top 10.6% in tier
Delinquency Rate ? 0.27%
+455.3% YoY +5.5% QoQ
-0.65% 0.92%
+15.7% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 74.81%
+3.2% YoY +6.0% QoQ
-3.14% 77.95%
+1.0% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 36.98%
-1.2% YoY +4.5% QoQ
+14.95% 22.03%
-0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
Top 7.2% in tier
Nonperforming Asset Ratio ? 0.18%
+468.6% YoY +12.6% QoQ
-0.49% 0.67%
+16.4% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
62%
Tier 1 Capital Ratio ? 13.94%
+6.8% YoY -3.1% QoQ
-1.96% 15.91%
+1.4% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.27%
+11.2% YoY +121.6% QoQ
-0.30% 0.57%
+7.6% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Noninterest-Bearing 37.0%
-0.5pp YoY
+1.6pp QoQ
 +14.8pp 22.1% 23.5% 22.2% 93%
Brokered Deposits n/a n/a 7.9% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I 9.6%
-2.0pp YoY
-0.5pp QoQ
 -1.9pp 11.6% 8.6% 12.5% 50%
CRE 40.1%
+1.9pp YoY
+0.1pp QoQ
 +0.5pp 39.5% 37.1% 41.4% 53%
1-4 Family 41.8%
+2.6pp YoY
+0.4pp QoQ
 +9.2pp 32.6% 41.6% 31.3% 73%
Consumer 2.7%
-0.2pp YoY
0.0pp QoQ
 -1.4pp 4.1% 4.8% 5.0% 56%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 13.9%
+0.9pp YoY
-0.5pp QoQ
 -4.9pp 18.8% 20.2% 19.7% 38%
Leverage Ratio 9.4%
+0.7pp YoY
-0.1pp QoQ
 -2.7pp 12.2% 14.0% 12.6% 20%
Total Capital Ratio 14.9%
+0.9pp YoY
-0.5pp QoQ
 -5.1pp 19.9% 21.3% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 146
+8 (+5.8%) YoY
0 QoQ
 +87 58 105 482 97%
Assets per Employee ($) $5.6M
-3.7% YoY
-3.4% QoQ
 -$1.9M $7.5M $6.3M $8.8M 25%
Branch Count 12
0 YoY
0 QoQ
 +7 4 8 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 26%
Nonaccrual 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 34%
Allowance Coverage 3.66x
-82.5% YoY
-7.8% QoQ
 -20.49x 24.15x 7.45x 20.23x 63%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 64%

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE 39.0%
-13.1pp YoY
+1.0pp QoQ
 +26.8pp 12.2% 13.3% 11.6% 99%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.7% 1.7% 12%
Net Income ($, YTD) $10.9M
+2.2% YoY
— QoQ
 +$8.4M $2.6M $5.1M $40.4M 99%

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 (2)

Profitability Leader

growth
#309 of 661 • Top 46.6% in tier

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

Why this signature
Return on Assets: 2.61%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Deposit Franchise

growth
#180 of 278 • Top 64.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 36.98%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.49%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#214 of 936 • Bottom 22.8% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#422 of 1256 • Bottom 33.5% in tier

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

Why this signature
Delinquency Rate: 0.27%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

100
Return on Assets
profitability
Value: 2.61%
Peer Median: 1.32%
#100 of 2643 Top 3.7% in $100M-$1B
133
Total Deposits
size
Value: $727.61M
Peer Median: $326.73M
#133 of 2643 Top 5.0% in $100M-$1B
187
Total Assets
size
Value: $818.40M
Peer Median: $386.57M
#187 of 2643 Top 7.0% in $100M-$1B
192
Non-Interest-Bearing Deposit Share
funding
Value: 36.98%
Peer Median: 22.03%
#192 of 2643 Top 7.2% in $100M-$1B
221
Total Loans
size
Value: $544.34M
Peer Median: $258.35M
#221 of 2643 Top 8.3% in $100M-$1B
280
Efficiency Ratio
profitability
Value: 46.22%
Peer Median: 64.48%
#280 of 2643 Top 10.6% in $100M-$1B
544
Net Interest Margin
profitability
Value: 4.49%
Peer Median: 3.99%
#544 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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