BlastPoint

BlastPoint's Banking Scorecard

Wilson Bank and Trust

$1B-$10B Specialty: Commercial TN FDIC cert 26962

Designations: ✓ Community bank

Lebanon, TN

32 branches across TN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
  • Deposits +5.4% year over year ($5.3B on the books).
  • Delinquency rate 0.64%.
  • Return on assets 1.48%.
  • Efficiency ratio 52.73% vs a 59.73% peer average.
  • Loan-to-deposit ratio 83.10% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in TN
View $1B-$10B leaderboard (TN) →

Wilson Bank and Trust has 3 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

  • + ROA 0.09% above tier average
  • + Efficiency Ratio 7.00% below tier average
  • + Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 38.6% in tier
  • - Non-Interest-Bearing Deposit Share 13.39% below tier average
  • - Net Interest Margin 0.07% below tier average
Get updates when Wilson Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Total Assets ? $6.0B
+6.2% YoY -0.2% QoQ
+$3.2B $2.8B
-0.6% YoY
$2.9B
+37.8% YoY
$6.3B
+7.7% YoY
Top 10.2% in tier
Total Loans ? $4.4B
+4.4% YoY +2.0% QoQ
+$2.5B $2.0B
-0.3% YoY
$2.1B
+37.6% YoY
$3.2B
+9.4% YoY
Top 9.6% in tier
Total Deposits ? $5.3B
+5.4% YoY -0.5% QoQ
+$3.0B $2.3B
-0.5% YoY
$2.4B
+35.4% YoY
$4.9B
+7.3% YoY
Top 8.9% in tier
Return on Assets ? 1.48%
+11.2% YoY -2.4% QoQ
+0.09% 1.39%
+17.0% YoY
1.13%
+12.0% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 3.80%
+7.0% YoY +0.1% QoQ
-0.07% 3.87%
+6.2% YoY
3.99%
+5.6% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 52.73%
-2.2% YoY +3.6% QoQ
-7.00% 59.73%
-12.6% YoY
65.40%
-4.8% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.64%
+158.5% YoY +21.7% QoQ
-0.23% 0.87%
+11.7% YoY
0.70%
+6.5% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 83.10%
-0.9% YoY +2.5% QoQ
-1.94% 85.04%
-0.1% YoY
81.19%
+2.5% YoY
79.03%
+2.3% YoY
60%
Non-Interest-Bearing Deposit Share ? 7.88%
-3.7% YoY -0.3% QoQ
-13.39% 21.27%
-1.5% YoY
18.80%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 7.2% in tier
Nonperforming Asset Ratio ? 0.48%
+157.5% YoY +23.2% QoQ
-0.19% 0.67%
+11.7% YoY
0.58%
+9.8% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 14.35%
+7.8% YoY +0.4% QoQ
-0.49% 14.84%
-0.4% YoY
14.06%
-1.8% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.38%
+4.0% YoY +100.2% QoQ
-0.15% 0.53%
+2.5% YoY
0.34%
-6.5% YoY
0.66%
+5.2% YoY
68%

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 (TN) National Avg Tier Percentile
Noninterest-Bearing 7.9%
-0.3pp YoY
0.0pp QoQ
 -13.5pp 21.4% 18.8% 22.2% 7%
Brokered Deposits n/a n/a 9.5% 9.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
C&I 4.1%
+0.6pp YoY
+0.1pp QoQ
 -9.9pp 14.0% 10.9% 12.5% 15%
CRE 57.9%
-2.5pp YoY
-0.8pp QoQ
 +7.9pp 50.0% 42.4% 41.4% 71%
1-4 Family 37.0%
+2.6pp YoY
+1.0pp QoQ
 +10.5pp 26.4% 39.8% 31.3% 78%
Consumer 0.8%
-0.2pp YoY
-0.1pp QoQ
 -4.0pp 4.7% 4.5% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
CET1 Ratio 14.3%
+1.0pp YoY
+0.1pp QoQ
 -1.2pp 15.6% 14.8% 19.7% 63%
Leverage Ratio 10.8%
+0.5pp YoY
+0.1pp QoQ
 -0.5pp 11.3% 11.4% 12.6% 57%
Total Capital Ratio 15.6%
+1.0pp YoY
+0.1pp QoQ
 -1.1pp 16.7% 15.9% 20.8% 64%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Full-Time Employees 654
+39 (+6.3%) YoY
+11 (+1.7%) QoQ
 +340 313 270 482 91%
Assets per Employee ($) $9.1M
-0.1% YoY
-1.9% QoQ
 -$1.3M $10.5M $7.1M $8.8M 56%
Branch Count 32
0 YoY
0 QoQ
 +12 20 17 18 83%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 69%
Nonaccrual 0.6%
+0.4pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.7% 1.0% 54%
Allowance Coverage 2.04x
-60.2% YoY
-18.7% QoQ
 -16.67x 18.71x 28.97x 20.23x 50%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (TN) National Avg Tier Percentile
ROE 15.0%
+0.3pp YoY
-0.5pp QoQ
 +2.4pp 12.6% 10.9% 11.6% 73%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 2.0% 1.7% 70%
Net Income ($, YTD) $44.1M
+20.1% YoY
— QoQ
 +$24.9M $19.2M $16.7M $40.4M 91%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#156 of 402 • Bottom 38.6% in tier

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

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

80
Total Deposits
size
Value: $5.33B
Peer Median: $2.32B
#80 of 885 Top 8.9% in $1B-$10B
86
Total Loans
size
Value: $4.43B
Peer Median: $1.96B
#86 of 885 Top 9.6% in $1B-$10B
91
Total Assets
size
Value: $5.98B
Peer Median: $2.79B
#91 of 885 Top 10.2% in $1B-$10B

Top Weaknesses (1 metrics)

822
Non-Interest-Bearing Deposit Share
funding
Value: 7.88%
Peer Median: 21.27%
#822 of 885 Bottom 7.2% in $1B-$10B
Powered by BlastPoint © 2026