Total Assets
$5.9B
Total balance-sheet footings
FDIC Cert #26962 · Lebanon, Tennessee · Est. 1987
Wilson Bank and Trust - FDIC Bank Health Profile
A community-scale look at Wilson Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $5.9B
- Total assets
- A
- Health grade · Excellent
- 1.38%
- Return on assets
- 14.3%
- Tier 1 capital
Data updated July 2026
The verdict
Wilson Bank and Trust earns a PlainBankData health grade of A (87/100), with well-capitalized at 14.31% Tier 1, profitable at 1.38% ROA, efficient (54% cost ratio).
- #254
- largest of 4,313 FDIC banks by assets
- 94th
- percentile by asset size, nationally
- 14.31%
- Tier 1 ratio - above the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Wilson Bank and Trust's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Wilson Bank and Trust's composite health score
Tier 1 Capital Ratio (14.31%) 35/40
Return on Assets (ROA) (1.38%) 20/25
Texas Ratio (4.47%) 20/20
Efficiency Ratio (53.63%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.3B
Customer-funded liabilities
Net Loans
$4.3B
Outstanding loan book
Net Income
$78M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Wilson Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Wilson Bank and Trust's score of 87/100 falls in the highlighted band.
Wilson Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Wilson Bank and Trust's $5.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.31%
Texas Ratio
4.47%
Equity Capital
$578M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
14.76%
Efficiency Ratio
53.63%
What the numbers say about Wilson Bank and Trust
Wilson Bank and Trust is an FDIC-insured institution (Certificate #26962) headquartered in Lebanon, Tennessee, established in 1987. It holds $5.9B in total assets - 254th of 4,313 FDIC-insured banks, $5.3B in customer deposits, and $4.3B in net loans. Looking at capital strength, Tier 1 stands at 14.31%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.47%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Wilson Bank and Trust's asset base places it among the largest FDIC-insured institutions in the country, 254th of 4,313 nationally, and 4th of 111 banks headquartered in Tennessee. Only FirstBank ($16.3B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$325M
Interest Income
$41M
Non-Interest Income
$126M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Wilson Bank and Trust reports a Texas Ratio of 4.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Tennessee by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Wilson Bank and Trust (FDIC Cert #26962) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon BankMemphis | $83.6B | B | 1.35% |
| Pinnacle BankNashville | $57.6B | A | 1.25% |
| FirstBankNashville | $16.3B | B | 0.89% |
| SmartBankPigeon Forge | $5.9B | B | 1.00% |
| SouthEast BankFarragut | $3.5B | C | 0.68% |
| Home Federal Bank of TennesseeKnoxville | $2.7B | C | 0.21% |
| Builtwell BankChattanooga | $2.3B | A | 2.07% |
| Commercial BankHarrogate | $2.3B | A | 1.77% |
Frequently asked questions
What is Wilson Bank and Trust's health grade?▼
Wilson Bank and Trust receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Wilson Bank and Trust?▼
Wilson Bank and Trust holds $5.9B in total assets and $5.3B in deposits, ranking 254th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lebanon, Tennessee.
Is my money safe at Wilson Bank and Trust?▼
Yes, deposits at Wilson Bank and Trust (Certificate #26962) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Wilson Bank and Trust's Tier 1 Capital Ratio?▼
Wilson Bank and Trust has a Tier 1 Capital Ratio of 14.31%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Wilson Bank and Trust?▼
Wilson Bank and Trust has a Texas Ratio of 4.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Wilson Bank and Trust?▼
Wilson Bank and Trust has an Efficiency Ratio of 53.63%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Wilson Bank and Trust's profile as a depositor or analyst.
- Wilson Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Wilson Bank and Trust against other Tennessee banks before moving funds. Tennessee banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.