Wilson Bank and Trust

Headquarters

623 West Main Street
Lebanon, TN 37087
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.60% →
1-Year CD 0.40% 1.55% →
2-Year CD 0.60% 1.45% →
5-Year CD 1.20% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Wilson Bank and Trust is an FDIC insured institution located in Lebanon, TN. It was founded in 1987 and has approximately $2.78 billion in assets. Customers can open an account at one of its 30 branches.

FDIC Insured Yes
FDIC Certificate # 26962
Date Established 1987
Assets $ 2.78 billion
Loans $ 2.08 billion
Deposits $ 2.41 billion
Capital $ 335.92 million
 

For a more detailed analysis of Wilson Bank and Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 2, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn More
Money Market
0.35% $10,000 - Learn More
CD Rates APY MIN MAX
3 Mo CD
0.30% $500 - Learn More
6 Mo CD
0.35% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
24 Mo CD
0.60% $500 - Learn More
36 Mo CD
0.75% $500 - Learn More
48 Mo CD
1.00% $500 - Learn More
60 Mo CD
1.20% $500 - Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.65% $500 - Learn MoreShow Less

Loan Rates - June 2, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Wilson Bank and Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia Home Equity Line Of Credit Rates 2020

Note to Wilson Bank and Trust
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Branches

Wilson Bank and Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Wilson Bank and Trust Locations


Financial Details

Wilson Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Wilson Bank and Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Wilson Bank and Trust U.S. Bank Average
1.59% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Wilson Bank and Trust had $5,117,000 in non-current loans and $697,000 in owned real estate. To cover these potential losses it had $335,915,000 in equity and $28,726,000 in loans loss reserves. That gives it a Texas Ratio of 1.59%.

Return on Equity
Wilson Bank and Trust U.S. Bank Average
11.71% 9.41%

Wilson Bank and Trust has a Return on Equity of 11.71% versus the BestCashCow average of 9.41%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Wilson Bank and Trust U.S. Bank Average
12.08% 12.82%

Wilson Bank and Trust has a Capitalization of 12.08% versus the BestCashCow average of 12.82. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Wilson Bank and Trust Balance Sheet Analysis

As of December 31, 2019, Wilson Bank and Trust had assets of $2,780,296,000, loans of $2,075,355,000, and deposits of $2,408,238,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2019
ASSETS
Cash & Balances due from depository institutions $ 125.62 million
Interest-bearing balances $ 111.91 million
Total securities $ 421.14 million
Federal funds sold and reverse repurchase $ 20.00 million
Net loans and leases $ 2.08 billion
Loan loss allowance $ 28.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.70 million
Goodwill and other intangibles $ 4.81 million
All other assets $ 70.35 million
     Total Assets $ 2.44 billion
LIABILITIES
Total deposits $ 2.41 billion
      Interest-bearing deposits $ 2.13 billion
      Deposits held in domestic offices $ 2.41 billion
      % insured (estimated) 74.63%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 26.23 million
Subordinated debt N.A.
All other liabilities $ 9.92 million
      Total Liabilities $ 2.44 billion
      Shareholders’ Equity $ 335.92 million

Summary Income Statement

December 31, 2019
INCOME AND EXPENSES
Total Interest Income $ 117.17 million
Total Interest Expense $ 22.65 million
Net interest income $ 94.52 million
Provision for loan and lease losses $ 2.04 million
Total non interest income $ 29.53 million
Total non interest expense $ 73.46 million
Pre-tax Net Operating Income $ 48.55 million

Bank Loan Profile?

The top three loan types in Wilson Bank and Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Tennessee, Wilson Bank and Trust has a significantly higher percent of Multifamily Mortgages, Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 29.52
Multifamily
Mortgages
4.68
Credit Card Loans 0.17
Consumer Auto Loans 0.52
Small Business Loans 8.19
Construction and Development Loans 20.49
Commercial Real Estate 38.23
Commercial and Industrial Loans 4.77
Farm Loans 0.08

Frequently Asked Questions About Wilson Bank And Trust

Branches and Savings

Is Wilson Bank And Trust FDIC insured?

Yes. It is covered under FDIC Certificate #26962.

Why does Wilson Bank And Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Wilson Bank And Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Wilson Bank And Trust a commercial bank?

Yes

Where are Wilson Bank And Trust locations?

See branch locations nearby.

Is Wilson Bank And Trust open on Saturdays?

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What time does Wilson Bank And Trust open?

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Are Wilson Bank And Trust ATMs Open 24/7?

Do Wilson Bank And Trust ATMs accept cash deposits?

Can Wilson Bank And Trust customers use other ATMs?

Do Wilson Bank And Trust branches have notaries?

Will Wilson Bank And Trust notarize my document?

What address for Wilson Bank And Trust should I put for incoming ACH transfers?

Will the Wilson Bank And Trust branch print checks?

Do Wilson Bank And Trust checks expire?

Does Wilson Bank And Trust require US citizenship to open account?

Can Wilson Bank And Trust close my account?

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Does Wilson Bank And Trust Use Equifax?

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Products

Does Wilson Bank And Trust offer mortgages?

Compare mortgage rates here.

Does Wilson Bank And Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Wilson Bank And Trust offer personal loans?

Compare personal loan rates here.

Does Wilson Bank And Trust offer student loans?

Will Wilson Bank And Trust cash a check?

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Will Wilson Bank And Trust cash money orders?

Can Wilson Bank And Trust issue a money order?

Does Wilson Bank And Trust do currency exchange?

Background on The Bank

Who owns Wilson Bank And Trust?

How long has Wilson Bank And Trust been around?

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Will Wilson Bank And Trust accept loose change?

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