🏦Bank Scorer

WILSON BANK AND TRUST

LEBANON, TN · Supervised by FDIC

Est. 1987FDIC #26,962RSSD: FDIC-26962
Part ofWILSON BANK HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.52%

Institution Profile

FDIC BankFind

Address

623 W Main St, LEBANON, TN

County

Wilson County

Established

May 11, 1987

Total Assets

$6.0B(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

March 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.0B

Total Deposits

$5.4B

Net Loans

$4.3B

Net Income

$23M

ROA

1.52%

ROE

15.49%

Risk-Based Capital

15.54%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate11.96%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

32

Branch Deposits

$5.1B

1-Year Change

+2

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,12469.3%11.96%
20232,18971.72%9.55%
20223,00175.11%7.26%
20213,29778.92%5.64%
20202,99377.18%5.61%
20191,62080.43%5.19%
20181,40980.13%7.74%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/a8372006-d77d-4ca8-a251-cd38a5c310fe"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: