Wilson Bank Holding Co
wilsonbank.comWhat Do They Do?
Provides deposit accounts, loans and treasury-management services to local consumers, professionals and small businesses, along with trust and brokerage services for customers.
10-K for FY2025, filed Feb 27, 2026In addition, the Bank operates one loan production office located in Williamson County. The Company's management believes that Wilson…View ↗
Lending Services. Through the Bank, the Company offers a full range of lending products, including commercial, real estate and consumer…View ↗
Deposit Services. The Bank seeks to establish a broad base of core deposits, including savings, noninterest-bearing checking…View ↗
Additionally, the Bank offers its targeted small business and commercial clients a comprehensive array of treasury management services. The…View ↗
The Bank offers, through RJFS, non-FDIC insured investment products to help clients achieve their financial objectives within their risk…View ↗
How Do They Make Money?
Most money comes from interest and fees charged on loans. The bank also earns deposit fees when transactions occur or monthly, fees from debit and credit card transactions as they are processed, and a share of commissions and fees generated by its brokerage program.
10-K for FY2025, filed Feb 27, 2026The banking segment derives revenues from customers through fees and interest charged on lending, deposits, and investment products. The…View ↗
Service charges on deposit accounts - The Company earns fees on its deposit customers for transaction-based, account maintenance, and…View ↗
Debit and credit card interchange income, net - The Company earns interchange fees from debit and credit cardholder transactions conducted…View ↗
The Bank offers, through RJFS, non-FDIC insured investment products to help clients achieve their financial objectives within their risk…View ↗
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Revenue from contract with customer, non-interest income) ↗
$357.5M
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10-K for FY2025, filed Feb 27, 2026
$357.5M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service Charges on Deposits
Mix
10-K for FY2025, filed Feb 27, 2026 |
107%
FY2022: 30%
|
Service Charges on Deposits, FY2025
$8.9M Sources
|
Mix |
|
Debit and Credit Card Interchange Income, Net
Usage-based
10-K for FY2025, filed Feb 27, 2026 |
100%
FY2022: 34%
|
Debit and Credit Card Interchange Income, Net, FY2025
$8.3M Sources
|
Usage-based |
|
Brokerage Income
|
120%
FY2022: 28%
|
Brokerage Income, FY2025
$10M Sources
|
|
|
Other Non-interest Income
|
24%
FY2022: 7.6%
|
Other Non-interest Income, FY2025
$2M Sources
|
Who Are Their Customers?
The bank serves local consumers, professionals and small businesses with deposits, loans and related services, and holds deposits for governments, agencies, education systems and utilities. It offers brokerage products through associates employed by the bank and Raymond James.
10-K for FY2025, filed Feb 27, 2026In addition, the Bank operates one loan production office located in Williamson County. The Company's management believes that Wilson…View ↗
Deposit Services. The Bank seeks to establish a broad base of core deposits, including savings, noninterest-bearing checking…View ↗
To attract deposits, the Bank employs a reputation management plan within its geographic markets based on relationship banking. These plans…View ↗
Investment, Trust and Insurance Services. The Bank contracts with Raymond James Financial Services, Inc. ("RJFS"), a registered…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 21 cents of every revenue dollar as net income in FY2025 and turned 24 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 2.8x in 4 years, from $129.8M in FY2021 to $357.5M in FY2025, about 29% a year.
Mortgage banking ownership
The earlier report described Encompass as a jointly owned mortgage banking business; the latest says the bank sold its stake, ending that ownership.
10-K for FY2022, filed Mar 6, 2023 10-K for FY2025, filed Feb 27, 2026Wilson Bank Holding Company (the “Company”) was incorporated on March 17, 1992 under the laws of the State of Tennessee. The purpose of the…View ↗
Wilson Bank Holding Company (the “Company”) is a bank holding company that was incorporated on March 17, 1992 under the laws of the State…View ↗
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