🏦Bank Scorer

WILSON & MUIR BANK & TRUST COMPANY

BARDSTOWN, KY · Supervised by FDIC

Est. 1865FDIC #17,040RSSD: FDIC-17040
Part ofWILSON&MUIR BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.50%

Institution Profile

FDIC BankFind

Address

107 N 3rd St, BARDSTOWN, KY

County

Nelson County

Established

December 18, 1865

Total Assets

$847M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$847M

Total Deposits

$748M

Net Loans

$528M

Net Income

$5M

ROA

2.50%

ROE

37.95%

Risk-Based Capital

15.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.80%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$720M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202436889.95%3.80%
202332286.65%4.66%
202244889.73%3.57%
202172288.09%3.46%
202085888.23%3.85%
201951687.6%4.07%
201844488.29%4.28%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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