Wilson Bank Holding Co (OTC: WBHC)

Wilson Bank Holding Company is a bank holding company that conducts all of its banking business through its wholly owned subsidiary, Wilson Bank and Trust.
The bank provides a full range of retail and commercial banking services including checking and savings accounts, certificates of deposit, consumer loans, commercial loans, and real estate financing.
In addition to traditional banking, the bank offers custodial and trust services, brokerage services through a third party provider, and treasury management solutions for business clients.
Headquartered in Lebanon, Tennessee, the bank operates a network of 32 full service offices and 1 loan production office to support lending activities.
As of December 31, 2025, the company reported total assets of approximately $5.879 billion and net earnings of about $75.699 million.

The company’s primary source of revenue is interest income generated from its loan portfolio which includes commercial real estate loans, residential mortgages, consumer installment loans, and lines of credit.
Fee based revenue comes from deposit account service charges, treasury management fees, trust and custodial fees, and commissions on brokerage and advisory transactions executed through its third party provider.
Mortgage banking activities produce gains from the sale of originated loans in the secondary market and servicing rights income.
The company also earns income from the sale of financial products such as credit cards and from various ancillary services offered to customers.
These revenue streams are supported by a diverse customer base that encompasses individual consumers, professionals, small businesses, and public sector entities across its Tennessee footprint.

Wilson Bank Holding Company competes with a variety of financial institutions including regional banks such as Pinnacle Financial Partners, national banks, credit unions, and non bank lenders operating in its Tennessee markets.
The company differentiates itself through a community banking model that emphasizes local decision making, personalized service, and long term relationships with customers.
Its competitive advantages include a deep understanding of the local economy, a reputation for responsive lending, and the ability to offer a broad suite of products while maintaining the agility of a smaller institution.
The bank’s extensive branch network of 32 full service offices and 1 loan production office provides convenient access for customers in Davidson, Rutherford, Williamson, Wilson and other surrounding counties.
This local presence helps the bank attract core deposits and maintain stable funding sources despite competition from larger rivals that may have greater economies of scale.

The bank serves individual consumers who seek personal checking accounts, savings products, mortgage loans, and consumer credit options such as credit cards and installment loans.
Professionals and small businesses rely on the bank for commercial loans, lines of credit, treasury management services, remote deposit capture, and payroll processing solutions.
State and local government entities use the bank for public fund deposits, custodial services, and investment of surplus funds through its trust department.
While the filing does not disclose specific customer names, the description indicates a broad base of retail and commercial clients across the communities it serves.
The bank’s focus on relationship banking aims to meet the financial needs of these varied customer groups while supporting local economic growth.