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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 26962 · TN A · 87/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (87/100)
  • MID-PACK #1172/4307
  • PHOTO-FINISH United Security Bank · CA
  • TIER1-WELL 14.3% Tier 1
  • TEXAS-CLEAN 4.5% Texas
  • ROA-STRONG 1.38% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: United Security Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Wilson Bank and Trust

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community State Bank… · OK ·…87/100First Bank & Trust Co. · OK …87/100First Robinson Savin… · IL ·…87/100United Security Bank · CA · …87/100Wilson Bank and Trust · TN ·…87/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Wilson Bank and Trust · July 2026

What Wilson Bank and Trust's Call Report plate shows

Wilson Bank and Trust (FDIC Cert #26962) carries a PlainBankData health grade of A at 87/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,172 of 4,307. Tier 1 capital prints at 14.31%, clearing the 10% well-capitalized line. The Texas Ratio is 4.47%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.38%. Balance-sheet scale is $5.9B, 254th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is United Security Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Wilson Bank and Trust

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Wilson Bank and Trust's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Wilson Bank and Trust remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

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.

0/100100/100National avg77/10087/100
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 Assets

$5.9B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.91% 14.31% 15.71%
Basel III capital ratios - Wilson Bank and Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

87 Top 27% higher than 73% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Wilson Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Wilson Bank and Trust

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

What these ratios mean →

Earnings posture at Wilson Bank and Trust

Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
14.76%
Efficiency Ratio
53.63%

What these mean →

Income & expense at Wilson Bank and Trust

$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.

FDIC Failed Bank List → View Wilson Bank and Trust on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.9B here), outside Tennessee so the neighborhood is not state containment.

Broadway National Bank $5.9B · TX Northbrook Bank and Trust Company $5.9B · IL Fremont Bank $5.9B · CA Westamerica Bank $5.9B · CA

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.

Wilson Bank and Trust Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
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%