Wilson Bank and Trust: how it compares with its peers
Against 289 U.S. banks with half to twice its assets, Wilson Bank and Trust's strongest measure in Q2 2026 is return on assets (1.48% vs. a 1.32% peer median). Its weakest relative measure is assets per employee ($9.1M vs. $9.8M).
| Measure | Wilson Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 1.32% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.80% | 3.65% | Middle third Ahead of 58% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.73% | 55.88% | Middle third Ahead of 60% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $9.8M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.10% | 88.63% | Context |
What it means for lending operations
Its efficiency ratio of 52.73% is better than the 55.88% 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
- Banesco USA Miami, FL · $5.98B
- Fremont Bank Fremont, CA · $5.97B
- Bank First, N.A. Manitowoc, WI · $5.94B
- River City Bank Sacramento, CA · $6.04B
- CTBC Bank Corp. (USA) Los Angeles, CA · $5.87B
- Bradesco Bank Coral Gables, FL · $6.10B
Questions about Wilson Bank and Trust
How big is Wilson Bank and Trust?
Wilson Bank and Trust, established in 1987, is headquartered in Lebanon, TN. It reported $5.98B in total assets in its Q2 2026 FDIC call report and operates 32 offices.
What is Wilson Bank and Trust's return on assets?
1.48% annualized in Q2 2026, against a 1.32% median for 289 U.S. banks with half to twice its assets, ahead of 67% of them.
What is Wilson Bank and Trust's efficiency ratio?
52.73% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 55.88%, and lower is better.
Is Wilson Bank and Trust growing its loans?
Net loans grew 4.4% over the year to Q2 2026, while deposits grew 5.4%.
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 U.S. 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 Tennessee bank ranked.