Wilson & Muir Bank & Trust Company
Bardstown, KY
IDRSSD: 899343
Total Assets
$844.48M
Latest filing
Total Deposits
$750.17M
Latest filing
Net Interest Margin
4.59%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Wilson & Muir Bank & Trust Company
107 N 3rd St
Bardstown, KY 40004
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/18/1865FDIC Certificate 11103
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Wilson & Muir Bank & Trust Company (Main) | 107 N 3rd St | Bardstown, KY |
| BIG CLIFTY BRANCH | 9790 Elizabethtown Rd | Big Clifty, KY |
| LEITCHFIELD ELIZABETHTOWN ROAD BRANCH | 1315 Elizabethtown Rd | Leitchfield, KY |
| ELIZABETHTOWN BRANCH | 250 W Dixie Ave | Elizabethtown, KY |
| DRIVE-IN FACILITY | 170 Chaplin Rd | Bloomfield, KY |
| PLAZA BRANCH | 101 Padgett St | Bardstown, KY |
| BLOOMFIELD BRANCH | 105 Taylorsville Rd | Bloomfield, KY |
| ST. MATTHEWS BRANCH | 130 Saint Matthews Ave | Louisville, KY |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/18/1865 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 40004 |
| State and County Number | 21179 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Bardstown, KY |
Operational Info
| Number of Employees | 139 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/24/1951 |
| Primary Insurance Agency | DIF |
| Website | www.wilsonmuirbank.com |
| Data Updated | 01/30/2026 |
| CERT | 17040 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $844.48M |
| Total Deposits | $750.17M |
| Total Liabilities | $787.64M |
| Total Equity Capital | $56.84M |
| Net Income | $5.25M |
| Net Loans and Leases | $522.22M |
| Assets Per Employee ($Millions) | $5.99M |
| Bank Premises and Fixed Assets | $7.26M |
| Cash and Balances due from Depository Institutions | $72.89M |
| Deposits Held in Domestic Offices | $750.17M |
Key Performance Ratios
| Return on Assets (ROA) | 2.54% |
| Return on Equity (ROE) | 39.78% |
| Net Interest Margin | 4.59% |
| Efficiency Ratio | 45.71% |
| Tier 1 Risk-Based Capital Ratio | 14.415% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.73% |
| Earning Assets to total Assets | 96.78% |
Income and Expense
| Total Interest Income | $11.43M |
| Total Noninterest Income | $1.27M |
| Total Interest Expense | $2.25M |
| Total Noninterest Expense | $4.77M |
| Net Interest Income | $9.17M |
| Pre-tax Net Operating Income | $5.25M |
| Provision for Credit Losses | $425.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.74M |
| Federal Funds Purchased and Repurchased Agreement | $34.09M |
| All Other Liabilities | $3.39M |
| Total Liabilities and Capital | $844.48M |
Securities
| Securities | $221.88M |
| Available-for-sale debt securities | $221.88M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Wilson & Muir Bank & Trust Company?
$844.48M as of the latest filing.
How much are Wilson & Muir Bank & Trust Company's total deposits?
$750.17M in total deposits.
Where is Wilson & Muir Bank & Trust Company located?
Bardstown, KY.
What is the Net Interest Margin?
4.59%.
How many domestic offices does it operate?
12.
When was it established?
12/18/1865.
What is the Return on Assets (ROA)?
2.54%.
How much are total loans and leases?
$522.22M (latest filing).
What is the total interest income (latest filing)?
$11.43M.