Bank · FDIC insured
Wilson & Muir Bank
A $818.4M bank headquartered in Bardstown, KY, with 11 branches in Kentucky. Best rates: CDs 4.00% and savings 0.10% APY.
Wilson & Muir Bank Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#30 of 43 in Louisville/Jefferson County, KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wilson & Muir Bank
Wilson & Muir Bank & Trust Company is headquartered in Bardstown, Kentucky, and was founded in 1865.
As the second oldest bank in Kentucky, it serves individuals, families, and businesses across local Kentucky communities.
- Headquarters
- 107 N 3rd St, Bardstown, KY 40004
- FDIC certificate
- 17040 ↗
Branches
11 branches in Kentucky
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Kentucky
11 branches
Louisville/Jefferson County area · 6
- Wilson & Muir Bank & Trust CompanyMain office107 N 3rd St, Bardstown, KY 40004Directions
- Culpeper Branch101 Culpeper St, Bardstown, KY 40004Directions
- Plaza Branch101 Padgett St, Bardstown, KY 40004Directions
- Bloomfield Branch105 Taylorsville Rd, Bloomfield, KY 40008Directions
- Drive-In Facility170 Chaplin Rd, Bloomfield, KY 40008Directions
- St. Matthews Branch130 Saint Matthews Ave, Louisville, KY 40207Directions
Elizabethtown area · 2
- Elizabethtown Branch250 W Dixie Ave, Elizabethtown, KY 42701Directions
- Vine Grove Branch123 W Main St, Vine Grove, KY 40175Directions
Leitchfield area · 2
- Leitchfield Elizabethtown Road Branch1315 Elizabethtown Rd, Leitchfield, KY 42754Directions
- Leitchfield Main Street Branch118 S Main St, Leitchfield, KY 42754Directions
Big Clifty area · 1
- Big Clifty Branch9790 Elizabethtown Rd, Big Clifty, KY 42712Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.43% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.61% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $76 | $81 | — |
- CapitalLeverage ratio9.43%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.61%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$76Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wilson & Muir Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.