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Wilson & Muir Bank & Trust Company
Bardstown, KY · FDIC Certificate #17040 · Chartered 12/1
Total assets
$818.40M
Total deposits
$727.61M
Total equity
$56.24M
Net loans
$544.34M
Branches (offices)
11
Net income (YTD)
$10.91M
Rank: #1,229 of 4,213 U.S. banks by assets · #20 of 120 in Kentucky. Assets changed 1.9% and deposits 1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.61% |
| Return on equity | 38.99% |
| Net interest margin (YTD) | 4.49% |
| Equity to assets | 6.87% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 74.8% |
| Real estate loans (share of loans) | 86.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $472.01M | 86.7% | |
| Commercial & industrial | $52.38M | 9.6% | |
| Consumer / individual | $14.80M | 2.7% | |
| Construction & development | $63.99M | 11.8% | |
| Agricultural | $5.92M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $683.05M | $612.25M | $6.04M | $25.54M |
| Jun 2023 | $727.95M | $627.32M | $8.57M | $26.45M |
| Jun 2024 | $770.83M | $669.38M | $9.08M | $31.16M |
| Jun 2025 | $802.91M | $719.75M | $10.68M | $43.44M |
| Jun 2026 | $818.40M | $727.61M | $10.91M | $56.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $727.61M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $727.61M.
Similar-sized banks
Cibm Bank ($819.74M) · First Freedom Bank ($817.79M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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