| Metric | Wilson Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.5% | +0.7 pts |
| Deposit growth (YoY) | +5.4% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +4.4% | +5.9% | -1.5 pts |
| ROA | 1.48% | 1.26% | +0.2 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.98B | $5.33B | $4.43B | $603.5M | $44.1M | 1.48% | 3.80% | 0.48% |
| Q1 2026 | $5.99B | $5.35B | $4.34B | $584.7M | $22.5M | 1.52% | 3.80% | 0.39% |
| Q4 2025 | $5.88B | $5.25B | $4.30B | $578.5M | $77.6M | 1.38% | 3.62% | 0.49% |
| Q3 2025 | $5.84B | $5.23B | $4.32B | $551.3M | $55.1M | 1.32% | 3.56% | 0.67% |
| Q2 2025 | $5.63B | $5.06B | $4.24B | $523.2M | $36.7M | 1.33% | 3.55% | 0.19% |
| Q1 2025 | $5.53B | $4.98B | $4.13B | $504.2M | $16.9M | 1.24% | 3.42% | 0.09% |
| Q4 2024 | $5.36B | $4.84B | $4.04B | $473.9M | $58.2M | 1.15% | 3.24% | 0.10% |
| Q3 2024 | $5.25B | $4.72B | $3.94B | $478.0M | $42.7M | 1.14% | 3.20% | 0.11% |
Loan mix (Q2 2026): real estate $4.22B · commercial $183.2M · consumer $33.6M · securities $1.05B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wilson Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.26% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.7% | 59.0% | 31th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wilson Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wilson Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wilson Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wilson Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.