Wilson Bank Holding Co
Wilson Bank Holding Co is a Tennessee-based bank holding company whose operations are conducted through Wilson Bank & Trust, a state-chartered community bank headquartered in Lebanon, Tennessee. The bank provides deposit, lending, treasury management, mortgage banking, trust, custodial, and brokerage-related services across middle Tennessee through a branch network and loan production offices.
Fiscal year 2025 · change from previous year
Development 2020–2025
Business
Share of revenueCore funding accounts including checking, savings, money market deposits and certificates of deposit.
Loans to businesses, professionals and individuals, including commercial, real estate and consumer credit.
Cash management and payment services for business clients, including ACH, lockbox and remote deposit.
Mortgage origination and correspondent purchases, with loans typically sold in the secondary market.
Fee-based wealth, custodial and brokerage-related services offered through the bank and partners.
Customers
The bank serves local consumers, professionals, small businesses and commercial clients across its Tennessee footprint. It also works with homebuilders, land developers and mortgage borrowers through residential and mortgage-related lending, while treasury management is aimed at operating businesses that need payment and liquidity tools.
Individuals in the bank's Tennessee markets who buy deposit accounts, consumer loans and mortgage products.
Owner-operated businesses and professionals who use deposits, working capital loans and treasury services.
Borrowers seeking construction, development and real estate financing in the bank's footprint.
Homebuilder-related customers and mortgage borrowers served through mortgage banking and related lending.
State and local public entities and similar depositors that place operating balances with the bank.
Strategy
The bank's strategy centers on relationship banking in its local Tennessee markets, using branch presence and banker relationships to gather deposits and originate loans. It also expands through targeted lending niches such as owner-occupied commercial real estate, residential real estate and consumer lending, while supporting business clients with treasury management and mortgage-related services.
Stable core deposits support lending capacity and reduce reliance on wholesale funding.
Focusing on owner-occupied CRE, residential real estate and consumer lending supports growth in familiar markets.
Treasury management, mortgage banking and trust-related services deepen relationships and diversify revenue.
New offices and acquisitions can extend the franchise while staying within familiar markets.
Geography
Wilson Bank Holding Co is concentrated in middle Tennessee, with offices across Wilson, Davidson, DeKalb, Hamilton, Putnam, Rutherford, Smith, Sumner, Trousdale and Williamson counties. Its markets are largely within the Nashville-Davidson-Murfreesboro-Franklin metropolitan area, so local economic conditions, real estate values and population growth directly affect loan demand and deposit gathering.
Risks
The company is exposed to interest rate risk, credit risk and local economic concentration because most lending and deposit activity is tied to a limited Tennessee footprint. Its loan book includes real estate, construction and development exposure, while regulatory, liquidity and compliance requirements are typical of a community bank and can materially affect operations.
- Credit losses in real estate lendingImpact: HighLikelihood: High
The portfolio includes commercial real estate, construction and development loans with higher loss potential.
Exposure: Loan portfolio and allowance for credit losses
- Interest rate sensitivityImpact: HighLikelihood: Medium
Earnings depend on the spread between loan yields and funding costs, which moves with market rates.
Exposure: Net interest margin and investment securities
- Geographic concentrationImpact: MediumLikelihood: Medium
Operations are concentrated in Wilson County and surrounding Tennessee counties, so local downturns can affect demand and credit quality.
Exposure: Middle Tennessee markets
- Deposit concentration and competitionImpact: MediumLikelihood: Medium
The bank competes with larger banks, credit unions and nonbanks for deposits and loans.
Exposure: Funding base and loan growth
- Regulatory and compliance burdenImpact: MediumLikelihood: Medium
Banking is highly regulated and failures in capital, BSA/AML or OFAC compliance can lead to sanctions.
Exposure: Bank holding company and bank subsidiary
Accounting
Judgemental itemsManagement estimates expected losses using historical data, forecasts and qualitative factors, so changes can materially affect earnings.
Impact: Provision expense and loan carrying values
Unfunded commitments and standby letters of credit require reserve estimates under credit loss accounting.
Impact: Other liabilities and risk disclosures
Branch acquisitions can create goodwill and core deposit intangibles and require fair value marks on acquired assets and liabilities.
Impact: Goodwill, intangible amortization and future impairment risk
Branch and loan office leases create right-of-use assets and lease liabilities that affect the balance sheet.
Impact: Operating lease assets and liabilities
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Last updated: 24/09/2026