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.

21,2 %

+14,2 %

— Wilson Bank Holding Co
%
Deposit products20% Core funding accounts including checking, savings, money market deposits and certificates of deposit.
Commercial and consumer lending55% Loans to businesses, professionals and individuals, including commercial, real estate and consumer credit.
Treasury management services8% Cash management and payment services for business clients, including ACH, lockbox and remote deposit.
Mortgage banking10% Mortgage origination and correspondent purchases, with loans typically sold in the secondary market.
Trust, custodial and brokerage services7% Fee-based wealth, custodial and brokerage-related services offered through the bank and partners.

The bank serves local consumers, professionals, small businesses and commercial clients across its Tennessee footprint...

  • Local consumersprimary

    Individuals in the bank's Tennessee markets who buy deposit accounts, consumer loans and mortgage products.

  • Small businesses and professionalsprimary

    Owner-operated businesses and professionals who use deposits, working capital loans and treasury services.

  • Commercial real estate and developersprimary

    Borrowers seeking construction, development and real estate financing in the bank's footprint.

  • Homebuilders and mortgage customerssecondary

    Homebuilder-related customers and mortgage borrowers served through mortgage banking and related lending.

  • Municipal and institutional depositorssecondary

    State and local public entities and similar depositors that place operating balances with the bank.

Wilson Bank Holding Co is concentrated in middle Tennessee, with offices across Wilson, Davidson, DeKalb, Hamilton,...

  • •Headquartered in Lebanon, Tennessee
  • •Branch network across 10 Tennessee counties
  • •Primary markets are in middle Tennessee
  • •Most activity is tied to the Nashville metro area
  • •Local real estate and employment trends matter to growth

The bank's strategy centers on relationship banking in its local Tennessee markets, using branch presence and banker...

01
Strengthen relationship-based deposit gatheringshort-term

Stable core deposits support lending capacity and reduce reliance on wholesale funding.

02
Target selected lending nichesshort-term

Focusing on owner-occupied CRE, residential real estate and consumer lending supports growth in familiar markets.

03
Cross-sell fee-based servicesmedium-term

Treasury management, mortgage banking and trust-related services deepen relationships and diversify revenue.

04
Expand selectively within the Tennessee footprintmedium-term

New offices and acquisitions can extend the franchise while staying within familiar markets.

The company is exposed to interest rate risk, credit risk and local economic concentration because most lending and...

high

Interest rate sensitivity

Earnings depend on the spread between loan yields and funding costs, which moves with market rates.

Scope
Net interest margin and investment securities
Materiality
high
high

Credit losses in real estate lending

The portfolio includes commercial real estate, construction and development loans with higher loss potential.

Scope
Loan portfolio and allowance for credit losses
Materiality
high
medium

Geographic concentration

Operations are concentrated in Wilson County and surrounding Tennessee counties, so local downturns can affect demand and credit quality.

Scope
Middle Tennessee markets
Materiality
high
medium

Deposit concentration and competition

The bank competes with larger banks, credit unions and nonbanks for deposits and loans.

Scope
Funding base and loan growth
Materiality
medium
medium

Regulatory and compliance burden

Banking is highly regulated and failures in capital, BSA/AML or OFAC compliance can lead to sanctions.

Scope
Bank holding company and bank subsidiary
Materiality
medium
Allowance for credit losses
Provision expense and loan carrying values
Off-balance-sheet credit exposures
Other liabilities and risk disclosures
Acquisition accounting
Goodwill, intangible amortization and future impairment risk
Lease accounting
Operating lease assets and liabilities

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: 29/04/2026