# Wilson Bank Holding Co

> Clarifo company profile — qualitative business description generated from
> the company's filings. Financial statements, charts and ratios are
> available on Clarifo (https://www.clarifo.com/fi/companies/Wilson Bank Holding Co).

## Overview

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.

## Products & services

• Checking, savings, money market and CD deposits
• Commercial, real estate and consumer lending
• Treasury management and cash management services
• Mortgage banking and secondary-market loan sales
• Trust, custodial and brokerage-related services

- **Deposit products** (20%) — Core funding accounts including checking, savings, money market deposits and certificates of deposit.
- **Commercial and consumer lending** (55%) — Loans to businesses, professionals and individuals, including commercial, real estate and consumer credit.
- **Treasury management services** (8%) — Cash management and payment services for business clients, including ACH, lockbox and remote deposit.
- **Mortgage banking** (10%) — Mortgage origination and correspondent purchases, with loans typically sold in the secondary market.
- **Trust, custodial and brokerage services** (7%) — Fee-based wealth, custodial and brokerage-related services offered through the bank and partners.

- Checking, savings, money market and CD deposits
- Commercial, real estate and consumer lending
- Treasury management and cash management services
- Mortgage banking and secondary-market loan sales
- Trust, custodial and brokerage-related services

## 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.

- **Local consumers** (primary) — Individuals in the bank's Tennessee markets who buy deposit accounts, consumer loans and mortgage products.
- **Small businesses and professionals** (primary) — Owner-operated businesses and professionals who use deposits, working capital loans and treasury services.
- **Commercial real estate and developers** (primary) — Borrowers seeking construction, development and real estate financing in the bank's footprint.
- **Homebuilders and mortgage customers** (secondary) — Homebuilder-related customers and mortgage borrowers served through mortgage banking and related lending.
- **Municipal and institutional depositors** (secondary) — State and local public entities and similar depositors that place operating balances with the bank.

- Local consumers seeking deposit accounts and personal loans
- Small businesses needing operating credit and cash management
- Professionals and owner-managed firms in the bank's markets
- Commercial real estate borrowers and local developers
- Mortgage borrowers and homebuilder-related customers

## 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.

- **Tennessee branch footprint** (100%) — All banking operations are conducted in Tennessee counties in the United States.

- 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

## 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.

- **Strengthen relationship-based deposit gathering** (short-term) — Stable core deposits support lending capacity and reduce reliance on wholesale funding.
- **Target selected lending niches** (short-term) — Focusing on owner-occupied CRE, residential real estate and consumer lending supports growth in familiar markets.
- **Cross-sell fee-based services** (medium-term) — Treasury management, mortgage banking and trust-related services deepen relationships and diversify revenue.
- **Expand selectively within the Tennessee footprint** (medium-term) — New offices and acquisitions can extend the franchise while staying within familiar markets.

- Deepen relationship banking in core Tennessee counties
- Grow deposits through local customer relationships
- Focus lending on owner-occupied CRE, residential and consumer
- Use treasury management to anchor commercial relationships
- Expand selectively through branches, loan offices and acquisitions

## 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.

- **Interest rate sensitivity** [high] — Earnings depend on the spread between loan yields and funding costs, which moves with market rates.
- **Credit losses in real estate lending** [high] — The portfolio includes commercial real estate, construction and development loans with higher loss potential.
- **Geographic concentration** [medium] — Operations are concentrated in Wilson County and surrounding Tennessee counties, so local downturns can affect demand and credit quality.
- **Deposit concentration and competition** [medium] — The bank competes with larger banks, credit unions and nonbanks for deposits and loans.
- **Regulatory and compliance burden** [medium] — Banking is highly regulated and failures in capital, BSA/AML or OFAC compliance can lead to sanctions.

- Net interest income is sensitive to rate changes and funding costs
- Real estate, construction and development loans carry higher credit risk
- Geographic concentration ties performance to middle Tennessee conditions
- Deposit competition can pressure pricing and retention
- Regulatory and BSA/AML compliance failures can trigger penalties

## Accounting

The most judgmental accounting area is the allowance for credit losses, which depends on historical loss experience, current conditions, forecasts and qualitative adjustments. Goodwill and core deposit intangibles from branch acquisitions, plus fair value marks on acquired loans and deposits, can also affect reported results and future amortization or impairment risk.

- **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

- Allowance for credit losses depends on forecasts and qualitative factors
- Off-balance-sheet commitments require credit loss estimates
- Goodwill and core deposit intangibles arise from acquisitions
- Acquired loan and deposit fair value marks affect purchase accounting
- Lease accounting matters for branch and loan office locations

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*Last updated: 2026-04-29T05:09:36.637786+00:00*