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Wilson Bank and Trust
Lebanon, TN·FDIC Cert #26962·Charter: STATE·Est. 19870511.0·HC: WILSON BANK HOLDING CO
Total Assets
$5.9B
Q4 2025
Return on Assets
1.38%
+0.06%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.63%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.38%+0.06
ROE
14.76%+0.43
Efficiency
53.63%-0.14
Equity/Assets
0.00%+0.00
NPL Ratio
0.66%-0.25
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.84%-0.71
Charge-offs
0.04%+0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.2 | 1.1 | 1.1 | 1.2 | 1.3 | 1.3 | 1.4 |
| ROE | 12.1 | 13.7 | 12.8 | 12.9 | 13.8 | 14.7 | 14.3 | 14.8 |
| Efficiency | 61.5 | 58.5 | 58.2 | 57.5 | 55.7 | 53.9 | 53.8 | 53.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.9 | 0.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 80.2 | 82.4 | 83.6 | 83.6 | 83.1 | 83.8 | 82.5 | 81.8 |
Balance Sheet
Total Assets$5.9B
Total Deposits$5.3B
Total Loans$4.3B
Total Equity$578.5M
Profitability
ROA1.38%
ROE14.76%
Efficiency Ratio53.63%
Net Income$77.6M
Risk & Asset Quality
NPL Ratio0.66%
Charge-off Rate0.04%
Loan/Deposit81.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans