Wilson & Muir Bank & Trust Company: how it compares with its peers
Against 38 KY banks with half to twice its assets, Wilson & Muir Bank & Trust Company's strongest measure in Q2 2026 is return on assets (2.61% vs. a 1.26% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.61% | 1.26% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.49% | 3.89% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.22% | 58.40% | Top third Ahead of 92% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $6.2M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 74.81% | 84.88% | Context |
What it means for lending operations
Its efficiency ratio of 46.22% is better than the 58.40% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Cumberland Valley National Bank & Trust Company London, KY · $816M
- Franklin Bank & Trust Company Franklin, KY · $804M
- Farmers Bank and Trust Company Marion, KY · $794M
- FNB Bank, Inc. Mayfield, KY · $770M
- First & Farmers National Bank, Inc. Somerset, KY · $714M
- American Bank & Trust Company, Inc. Bowling Green, KY · $924M
Questions about Wilson & Muir Bank & Trust Company
How big is Wilson & Muir Bank & Trust Company?
Wilson & Muir Bank & Trust Company, established in 1865, is headquartered in Bardstown, KY. It reported $818M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Wilson & Muir Bank & Trust Company's return on assets?
2.61% annualized in Q2 2026, against a 1.26% median for 38 KY banks with half to twice its assets, ahead of 97% of them.
What is Wilson & Muir Bank & Trust Company's efficiency ratio?
46.22% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 58.40%, and lower is better.
Is Wilson & Muir Bank & Trust Company growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.