BlastPoint's Banking Scorecard
Wilson & Muir Bank & Trust Company
Community
Specialty: Commercial
KY
FDIC cert 17040
Bardstown, KY
1484
banks in Community tier nationally
34 in KY
View Community leaderboard (KY) →
Wilson & Muir Bank & Trust Company has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
- + Profitability Leader: Top 28% in Community
- + Deposit Franchise: Top 46% in Community
- + Efficiency Ratio 17.64% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$844.5M
+7.3% YoY
+4.4% QoQ
|
-$547.0M |
$1.4B
+2.0% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$522.2M
+1.9% YoY
+1.2% QoQ
|
-$453.3M |
$975.5M
+2.4% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$750.2M
+7.1% YoY
+3.5% QoQ
|
-$414.4M |
$1.2B
+1.7% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
2.64%
+5.1% YoY
-1.8% QoQ
|
+1.48% |
1.16%
+17.2% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.51%
+4.2% YoY
+0.1% QoQ
|
+0.84% |
3.66%
+9.1% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
44.99%
-5.2% YoY
+0.6% QoQ
|
-17.64% |
62.63%
-5.3% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.16%
+45.5% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
69.61%
-4.8% YoY
-2.2% QoQ
|
-13.45% |
83.06%
+0.3% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
35.54%
-6.6% YoY
-5.2% QoQ
|
+14.50% |
21.05%
-0.9% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+512.6% YoY
+41.1% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
14.42%
+10.4% YoY
+6.3% QoQ
|
+4.17% |
10.24%
-0.6% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.51%
+7.0% YoY
+35.9% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#1 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#103 of 371 · Top 28% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.64%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Deposit Franchise
growth
#70 of 150 · Top 46% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.54%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.51%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
44.99%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Risk Growth
risk
#47 of 642 · Bottom 7% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.54% · Tier avg: 21.05%
91
91th pctile
Efficiency Ratio
Current: 44.99% · Tier avg: 62.63%
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.61% · Tier avg: 83.06%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.42% · Tier avg: 10.24%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
43
43th pctile
Total Deposits
Current: $750.2M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $844.5M · Tier avg: $1.4B
34
34th pctile
Total Loans
Current: $522.2M · Tier avg: $975.5M
Top Weaknesses
34
34th pctile
Total Loans
Current: $522.2M · Tier avg: $975.5M
39
39th pctile
Total Assets
Current: $844.5M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $750.2M · Tier avg: $1.2B
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.42% · Tier avg: 10.24%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
81
81th pctile
Loan-to-Deposit Ratio
Current: 69.61% · Tier avg: 83.06%
87
87th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.66%
91
91th pctile
Efficiency Ratio
Current: 44.99% · Tier avg: 62.63%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.54% · Tier avg: 21.05%
98
98th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.16%