Company research
WILSON BANK HOLDING CO
CIK 885275Updated Sep 24, 2026
SecurityWBHC · OTC · equity
WBHC price & chart
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OTC:WBHC on TradingView ↗About the company
Wilson Bank & Trust (www.wilsonbank.com), member FDIC and an Equal Housing Lender, is a community bank established in 1987 to provide personal and professional service in a hometown setting. One of the top banks in the South in stability, products, technology, growth and earnings, WBT currently operates 32 full-service offices in ten Tennessee counties, offering a full range of financial products that include secondary market mortgage loans and online banking services.
In the news
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Recent filings
10-Q filing
4 filing
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
10-Q filing
4 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 5,878,956,000Source | 5,358,659,000Source | 4,846,476,000Source | 4,285,650,000Source |
| Property, Plant and Equipment, NetUSD | 62,656,000Source | 61,549,000Source | 62,398,000Source | 62,031,000Source |
| GoodwillUSD | 5,877,000Source | 4,805,000Source | 4,805,000Source | 4,805,000Source |
| Current assets: | ||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 367,353,000Source | — | — | — |
| Operating Lease, Right-of-Use AssetUSD | 2,084,000Source | 2,556,000Source | 3,542,000Source | — |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 5,297,271,000Source | 4,878,956,000Source | 4,417,071,000Source | 3,925,198,000Source |
| Stockholders’ equity: | ||||
| Common Stock, Value, IssuedUSD | 24,291,000Source | 23,754,000Source | 23,373,000Source | 22,944,000Source |
| Retained Earnings (Accumulated Deficit)USD | 442,013,000Source | 393,238,000Source | 357,260,000Source | 325,625,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -55,165,000Source | -88,231,000Source | -88,163,000Source | -110,430,000Source |
| Additional Paid in Capital, Common StockUSD | 170,546,000Source | 150,739,000Source | 136,866,000Source | 122,298,000Source |
| Liabilities and EquityUSD | 5,878,956,000Source | 5,358,659,000Source | 4,846,476,000Source | 4,285,650,000Source |
| Stockholders' Equity Attributable to Noncontrolling InterestUSD | 0Source | 203,000Source | 69,000Source | 15,000Source |
| Additional Financial Items | ||||
| Deferred Tax Liabilities, NetUSD | 3,749,000Source | 2,753,000Source | 2,202,000Source | 2,462,000Source |
| Long-term DebtUSD | 10,081,000Source | 9,388,000Source | — | — |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | 75,724,000Source | 56,664,000Source | 48,992,000Source | 53,020,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 1,087,000Source | 1,567,000Source | 1,948,000Source | 1,864,000Source |
| Deferred Income Tax Expense (Benefit)USD | -411,000Source | -551,000Source | -2,029,000Source | -2,051,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 89,953,000Source | 61,981,000Source | 86,104,000Source | 73,207,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -351,053,000Source | -521,210,000Source | -407,718,000Source | -758,902,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 3,699,000Source | 3,494,000Source | 4,643,000Source | 5,022,000Source |
| Cash flows from financing activities: | ||||
| Payments for Repurchase of Common StockUSD | 0Source | 2,181,000Source | — | — |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | 380,864,000Source | 454,183,000Source | 469,460,000Source | 337,066,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 8,326,000Source | 20,552,000Source | 17,303,000Source | 20,880,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 119,764,000Source | -5,046,000Source | 147,846,000Source | -348,629,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 128,649,000Source | 125,284,000Source | 62,624,000Source | 14,617,000Source |
| Income Taxes Paid, NetUSD | 23,443,000Source | — | — | — |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 34,000Source | — | — | — |
| Bank Owned Life Insurance IncomeUSD | 2,257,000Source | 1,817,000Source | 1,667,000Source | 1,346,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | -2,742,000Source | -1,009,000Source | -1,620,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -2,515,000Source | -2,742,000Source | -1,009,000Source | -1,620,000Source |
| DepreciationUSD | 4,028,000Source | 4,040,000Source | 4,221,000Source | 4,370,000Source |
| Depreciation, Amortization and Accretion, NetUSD | 4,277,000Source | 4,133,000Source | 4,313,000Source | 4,462,000Source |
| Derivative, Gain (Loss) on Derivative, NetUSD | 877,000Source | 1,158,000Source | 271,000Source | — |
| Equipment ExpenseUSD | 2,885,000Source | 3,038,000Source | 3,202,000Source | 3,389,000Source |
| Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber PropertyUSD | -131,000Source | -303,000Source | -55,000Source | 291,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | 2,336,000Source | 3,068,000Source | 2,635,000Source | 2,973,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | -2,000Source | -8,000Source | -10,000Source | 8,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | -131,000Source | -303,000Source | -55,000Source | 291,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 2,336,000Source | 3,068,000Source | 2,635,000Source | 2,973,000Source |
| GoodwillUSD | 5,877,000Source | 4,805,000Source | 4,805,000Source | 4,805,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 21,353,000Source | 16,576,000Source | 13,939,000Source | 15,056,000Source |
| Net Income (Loss) Attributable to ParentUSD | 75,699,000Source | 56,530,000Source | 48,938,000Source | 53,042,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 25,000Source | 134,000Source | 54,000Source | -22,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 68,141,000Source | 61,848,000Source | 56,364,000Source | 85,544,000Source |
| Proceeds from (Payments to) Noncontrolling InterestsUSD | — | 0Source | 0Source | 37,000Source |
| Proceeds from Stock Options ExercisedUSD | 654,000Source | 575,000Source | 1,044,000Source | 635,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 6,930,000Source | 4,600,000Source | 3,311,000Source | 7,642,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 7,145,000Source | 5,192,000Source | 6,300,000Source | 8,656,000Source |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 8,326,000Source | — | — | — |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 357,457,000Source | 313,070,000Source | — | — |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 97,077,000Source | 73,240,000Source | 62,931,000Source | 68,076,000Source |
| Income Tax Expense (Benefit)USD | 21,353,000Source | 16,576,000Source | 13,939,000Source | 15,056,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | 25,000Source | 134,000Source | 54,000Source | -22,000Source |
| Net Income (Loss) Attributable to ParentUSD | 75,699,000Source | 56,530,000Source | 48,938,000Source | 53,042,000Source |
| Earnings Per Share, BasicUSD per share | 6.28Source | 4.79Source | 4.21Source | 4.66Source |
| Earnings Per Share, DilutedUSD per share | 6.26Source | 4.78Source | 4.2Source | 4.65Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 12,049,033Source | 11,806,822Source | 11,611,690Source | 11,377,617Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 12,088,475Source | 11,838,589Source | 11,641,366Source | 11,408,924Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 34,000Source | — | — | — |
| Bank Owned Life Insurance IncomeUSD | 2,257,000Source | 1,817,000Source | 1,667,000Source | 1,346,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 2.25Source | 1.75Source | 1.5Source | 1.85Source |
| Current Income Tax Expense (Benefit)USD | 21,764,000Source | 17,127,000Source | 15,968,000Source | 17,107,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | -2,742,000Source | -1,009,000Source | -1,620,000Source |
| Equipment ExpenseUSD | 2,885,000Source | 3,038,000Source | 3,202,000Source | 3,389,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | 83,679,000Source | 16,133,000Source |
| InterestExpenseOperatingUSD | 130,611,000Source | 126,809,000Source | — | — |
| Interest Income (Expense), NetUSD | 195,576,000Source | 157,307,000Source | 138,904,000Source | 141,407,000Source |
| Interest Income, OperatingUSD | — | — | 0Source | 0Source |
| Labor and Related ExpenseUSD | 73,459,000Source | 67,342,000Source | 59,501,000Source | 56,707,000Source |
| Marketing and Advertising ExpenseUSD | 4,812,000Source | 3,512,000Source | 3,714,000Source | 3,455,000Source |
| Other Cost and Expense, OperatingUSD | 14,936,000Source | 12,257,000Source | 12,042,000Source | 11,208,000Source |
| Revenue from Contract with Customer, Including Assessed TaxUSD | 8,326,000Source | — | — | — |
Filing attachments
ck0000885275-ex99_1.htm · 8-K · 2026-07-10
EX-99.1 2 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 July 10, 2026 Dear Shareholders, As we enter the second half of 2026, we are pleased to report that Wilson Bank & Trust continues to build on a strong foundation. Our performance through the first six months of the year reflects the dedication of our employees, the loyalty of our customers, and the confidence you have placed in us as shareholders of Wilson Bank Holding Company. While economic conditions continue to evolve, ou…
Read attachment ↗ck0000885275-ex99_1.htm · 8-K · 2026-04-10
EX-99.1 2 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 April 10, 2026 Dear Shareholders, As we close the first quarter of the year, we want to thank you for your continued confidence in Wilson Bank & Trust. While the global environment has been shaped by economic pressure and ongoing market volatility, our organization has remained focused on what has always defined us, serving our communities with stability, sound financial guidance, and a long-term perspective. We are proud to …
Read attachment ↗ck0000885275-ex99_1.htm · 8-K · 2026-01-16
EX-99.1 2 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 January 16, 2026 Dear Shareholder: As we close the fourth quarter and reflect on the year, I am proud to share that Wilson Bank & Trust continued to deliver steady, dependable performance while positioning the bank for long-term success. In a competitive and evolving financial landscape, our results reinforce a simple truth: when you lead with people, remain disciplined, and stay committed to your communities, success typical…
Read attachment ↗ck0000885275-ex99_1.htm · 8-K · 2025-10-10
EX-99.1 2 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 October 10, 2025 Dear Shareholders, As we enter the final quarter of the year, we’d like to reflect on the momentum we’ve built and the opportunities ahead for Wilson Bank & Trust. The short-term interest rate environment remains front of mind for many right now. Balancing customer expectations regarding rate cuts with our desire for profitable and sustainable growth is a key strategic focus of ours. Our leadership team cont…
Read attachment ↗ck0000885275-ex99_1.htm · 8-K · 2025-07-11
EX-99.1 2 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 July 11, 2025 Dear Shareholders, As we reflect on the second quarter of 2025, I’m proud to share updates that highlight both meaningful growth and memorable moments for our Wilson Bank & Trust family. The Board of Directors of Wilson Bank Holding Company is pleased to share with you our operating results for the first half of 2025. A couple of highlights are solid growth in both loans and deposits, improved margins and though…
Read attachment ↗ck0000885275-ex99_1.htm · 8-K · 2025-04-28
EX-99.1 3 ck0000885275-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 For Immediate Release Contact: April 28, 2025 Kalyn Dennis VP, Marketing & Communications (615) 442-1498 kdennis@wilsonbank.com WILSON BANK & TRUST OPENS SECOND LOCATION IN COOKEVILLE FOLLOWING SUCCESSFUL AQUISITION New office at 900 N. Washington Avenue expands local service and strengthens community presence. COOKEVILLE, TN - April 28, 2025 - Wilson Bank & Trust (WBT) is proud to announce the official opening of its seco…
Read attachment ↗