Wilson Bank Holding Co (WBHC) is a Tennessee-based bank holding company whose banking operations are conducted entirely through Wilson Bank, a state-chartered commercial bank organized under Tennessee law in 1987. The bank earns revenue primarily through net interest income, the spread between interest earned on loans and securities and interest paid on deposits, supplemented by non-interest income from fees and services. Wilson Bank serves local consumers, professionals, and small businesses across middle Tennessee, operating full-service banking offices in Rutherford and Williamson counties, among others, as of February 27, 2026. The bank was founded to provide Wilson County with a locally-owned, locally-managed commercial bank and has expanded steadily into surrounding counties including Davidson, DeKalb, Smith, Sumner, Putnam, Hamilton, Trousdale, and Williamson. Core products include checking, savings, money market accounts, certificates of deposit, and consumer, commercial, and real estate loans. Trust, custodial, and brokerage services are also offered, the latter through a third-party investment advisory relationship.

Revenue model

Net interest income from loans and deposit products, supplemented by non-interest income from fees, trust services, custodial services, and brokerage referrals through a third-party investment advisory firm.

Products and services

Checking accounts, savings accounts, money market deposit accounts, certificates of deposit, consumer loans, commercial loans, real estate loans, custodial services, trust services, and brokerage services (via third-party investment advisory relationship). One loan production office operates in Williamson County as of February 27, 2026.

Customers and end markets

Local consumers, professionals, and small businesses in middle Tennessee, with a target market spanning Wilson, Trousdale, Davidson, Rutherford, DeKalb, Smith, Sumner, Putnam, Hamilton, and Williamson counties.

Value-chain role

Community bank and deposit-taking institution providing credit intermediation and financial services directly to retail and small-business customers in middle Tennessee.

Geographic exposure

Exclusively Tennessee. Full-service banking offices in Rutherford and Williamson counties as of February 27, 2026, with operations across multiple middle Tennessee counties including Wilson, Davidson, DeKalb, Smith, Sumner, Putnam, Hamilton, and Trousdale.

Source: SEC 10-K, filed 2026-02-27

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