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WBHC on OTC

WILSON BANK HOLDING CO

WILSON BANK HOLDING CO is an American national commercial bank, incorporated in Tennessee.1 It is headquartered in Lebanon, Tennessee.1 Its shares trade on OTC under the symbol WBHC.1

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Last updated Oct 21, 2026.

Overview

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  • TickerWBHC on OTC1
  • IndustryNational Commercial Banks1
  • HeadquartersLebanon, Tennessee1
  • Incorporated inTN2
  • Business address623 W Main Street, P.O. Box 768, Lebanon, Tn 370872
  • Filer categoryLarge accelerated filer2

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Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

21.2%Net margin3
14.2%Revenue growth, 20253
13.0%Return on equity3
0.02×Debt to equity3
$86.3MFree cash flow3

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Brokerage Income brought in 34% of the revenue WILSON BANK HOLDING CO broke down this way in fiscal 2025.

  1. Brokerage Income$10.0M334%up 17% from 2024
  2. Service Charges on Deposits$8.9M330%up 8% from 2024
  3. Debit and Credit Card Interchange Income, Net$8.3M329%down 3% from 2024
  4. Other Noninterest Income$2.0M37%up 40% from 2024
Products and services by year
Products and services202320242025
Brokerage Income$7.2M$8.6M$10.0M
Service Charges on Deposits$7.9M$8.2M$8.9M
Debit and Credit Card Interchange Income, Net$8.5M$8.6M$8.3M
Other Noninterest Income$1.4M$1.4M$2.0M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs73¢$260.4M
  • Income tax6¢$21.4M
  • Profit21¢$75.7M

Out of $357.5M in revenue.3

Where each dollar of operating cash went, fiscal 2025

  • Capital spending4¢$3.7M
  • Dividends paid9¢$8.3M
  • Kept or used elsewhere87¢$77.9M

Out of $90.0M of cash from operations.3

Financial statements

Revenue43$357.5M in 2025+93% since 2022
0$100.0M$200.0M$300.0M$400.0M2022: $184.8M$184.8M20222023: $250.9M$250.9M2023+36%2024: $313.1M$313.1M2024+25%2025: $357.5M$357.5M2025+14%
Net income56743$75.7M in 2025+110% since 2019
0$20.0M$40.0M$60.0M$80.0M2019: $36.0M$36.0M20192020: $38.5M$38.5M2020+7%2021: $49.4M$49.4M2021+28%2022: $53.0M$53.0M2022+7%2023: $48.9M$48.9M2023−8%2024: $56.5M$56.5M2024+16%2025: $75.7M$75.7M2025+34%

Every line of the income statement as filed: the last 3 fiscal years (annual) or 12 quarters (quarterly), latest first.3

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$287.8M$250.3M$198.7M
Taxable securities$25.1M$21.6M$17.6M
Exempt from Federal income taxes$1.1M$1.5M$1.6M
Interest on loans held for sale$159.0K$189.0K$244.0K
Interest on federal funds sold$412.0K$513.0K$421.0K
Interest on interest bearing deposits$11.2M$9.8M$3.7M
Interest and dividends on restricted equity securities$350.0K$331.0K$311.0K
Total interest income$326.2M$284.1M$222.6M
Interest on negotiable order of withdrawal accounts$7.6M$8.0M$5.8M
Interest on money market accounts and other savings accounts$45.5M$40.2M$27.4M
Interest on certificates of deposit and individual retirement accounts$77.4M$78.5M$50.3M
Interest on federal funds purchased$1.0K$1.0K$24.0K
Interest on Federal Home Loan Bank advances$0$0$2.0K
Interest on finance leases$154.0K$65.0K$71.0K
Total interest expense$130.6M$126.8M$83.7M
Net interest income before provision for credit losses$195.6M$157.3M$138.9M
Provision for credit losses - loans$7.1M$5.2M$6.3M
Provision for credit losses - off-balance sheet exposures-$215.0K-$592.0K-$3.0M
Net interest income after provision for credit losses$188.6M$152.7M$135.6M
Non-interest income$31.3M$29.0M$28.3M
Non-interest expense$122.8M$108.4M$101.0M
Earnings before income taxes$97.1M$73.2M$62.9M
Income taxes$21.4M$16.6M$13.9M
Net earnings$75.7M$56.7M$49.0M
Net earnings attributable to noncontrolling interest-$25.0K-$134.0K-$54.0K
Net earnings attributable to Wilson Bank Holding Company$75.7M$56.5M$48.9M
Basic earnings per common share$6.28$4.79$4.21
Diluted earnings per common share$6.26$4.78$4.20
Weighted average common shares outstanding, basic12.0M shares11.8M shares11.6M shares
Weighted average common shares outstanding, diluted12.1M shares11.8M shares11.6M shares

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What it owns

What WILSON BANK HOLDING CO reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$99.2M3 Dec 31, 2025$95.3M3 Dec 31, 2024+4.1%
Accumulated depreciation$36.5M3 Dec 31, 2025$33.7M3 Dec 31, 2024+8.3%
Property and equipment, net$62.7M3 Dec 31, 2025$61.5M3 Dec 31, 2024+1.8%
Finance-lease assets$3.8M3 Dec 31, 2025$2.9M3 Dec 31, 2024+31.7%
Operating-lease assets (leased space)$2.1M3 Dec 31, 2025$2.6M3 Dec 31, 2024−18.5%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$367.4M3 Dec 31, 2025$247.6M3 Dec 31, 2024+48.4%
Debt securities available for sale$966.5M3 Dec 31, 2025$827.9M3 Dec 31, 2024+16.7%
Debt securities held to maturity$03 Dec 31, 2025$03 Dec 31, 2024
Deposits held (banks)$5.2B3 Dec 31, 2025$4.8B3 Dec 31, 2024+8.6%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$5.9M3 Dec 31, 2025$4.8M3 Dec 31, 2024+22.3%
Finite-lived intangibles, gross$429.0K3 Dec 31, 2025
Accumulated amortization$34.0K3 Dec 31, 2025$2.8M12 Dec 31, 2012−98.8%

Properties, in its own words

The Company’s main office is owned by the Company and consists of approximately four acres at 623 West Main Street, Lebanon, Tennessee and is approximately 35,000 square feet. The Bank's 67,000 square foot operations center is located at 105 North Castle Heights Avenue, Lebanon, Tennessee, which is adjacent to the 623 West Main Street Office. In addition thereto, the Bank operates thirty-one branches located in the following counties of Tennessee: Wilson County, Trousdale County, Davidson County, Hamilton County, Rutherford County, DeKalb County, Smith County, Sumner County, Putnam County and Williamson County, of which 25 were owned and 6 were leased. In addition, the Bank operates one loan production office located in Williamson County in Tennessee. The Bank also leases space at four locations within Wilson County, DeKalb County, Putnam County, and Rutherford County where it maintains and operates automated teller machines. For additional information regarding the Bank's facilities see Item: Business-General.

Item 2 of the 10-K filed Feb 27, 2026.13

Leadership

Who has led WILSON BANK HOLDING CO, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. James Randall Clemons2016
  2. John McDearman2023–now

President

  1. Herbert Elmer Richerson2016
  2. John McDearman2020–now

Chief financial officer

  1. Lisa Pominski2006–2016

Chief operating officer

  1. Clark Oakley2019
2010201520202025
Board members and other officers (34)

Timeline

  1. Oct 9, 20268-K Results of operations; Regulation FD disclosure54
  2. Jul 10, 20268-K Results of operations; Regulation FD disclosure55
  3. Apr 27, 20268-K Shareholder vote56
  4. Apr 10, 20268-K Results of operations; Regulation FD disclosure57
  5. Jan 16, 20268-K Results of operations; Regulation FD disclosure58
  6. Nov 26, 20258-K Bylaws or fiscal year changed59
  7. Oct 10, 20258-K Results of operations; Regulation FD disclosure60
  8. Aug 5, 20258-K Change of auditor61
  9. Jul 11, 20258-K Results of operations; Regulation FD disclosure62
  10. Jun 26, 20258-K Executive or director change63
  11. Apr 28, 20258-K Executive or director change; Shareholder vote; Regulation FD disclosure64
  12. Apr 11, 20258-K Results of operations; Regulation FD disclosure65
  13. May 22, 2023New chief executive John McDearman becomes CEO14
  14. Sep 28, 2016New chief executive James Randall Clemons becomes CEO15

Calendar

Coming up

  1. Around Jan 8, 2027Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Oct 9, 2026Reported quarterly or annual results54
  2. Jul 10, 2026Reported quarterly or annual results55
  3. Apr 10, 2026Reported quarterly or annual results57
  4. Jan 16, 2026Reported quarterly or annual results58
  5. Oct 10, 2025Reported quarterly or annual results60
  6. Jul 11, 2025Reported quarterly or annual results62
  7. Apr 11, 2025Reported quarterly or annual results65
  8. Jan 17, 2025Reported quarterly or annual results66

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

280 filings to the SEC since October 2021: 5 annual reports, 16 quarterly reports, 33 major events, 210 insider forms, 16 other. The latest 20:

  1. Oct 9, 20268-K EDGAR
  2. Sep 23, 20264 PRIMARY DOCUMENT EDGAR
  3. Aug 20, 20264 PRIMARY DOCUMENT EDGAR
  4. Aug 17, 20264 PRIMARY DOCUMENT EDGAR
  5. Aug 11, 20264 PRIMARY DOCUMENT EDGAR
  6. Aug 7, 202610-Q EDGAR
  7. Aug 6, 20264 PRIMARY DOCUMENT EDGAR
  8. Aug 5, 20264 PRIMARY DOCUMENT EDGAR
  9. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  10. Aug 4, 20264 PRIMARY DOCUMENT EDGAR
  11. Jul 21, 20264 PRIMARY DOCUMENT EDGAR
  12. Jul 20, 20264 PRIMARY DOCUMENT EDGAR
  13. Jul 10, 20268-K EDGAR
  14. Jun 12, 20264 PRIMARY DOCUMENT EDGAR
  15. Jun 11, 20264 PRIMARY DOCUMENT EDGAR
  16. May 18, 20264 PRIMARY DOCUMENT EDGAR
  17. May 18, 20264 PRIMARY DOCUMENT EDGAR
  18. May 18, 20264 PRIMARY DOCUMENT EDGAR
  19. May 18, 20264 PRIMARY DOCUMENT EDGAR
  20. May 18, 20264 PRIMARY DOCUMENT EDGAR

The 280 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

84 open-market trades by officers, directors and large owners since October 2021: 71 buys and 13 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 20, 2026COMER JAMES FDirectorBuy120$83.45$10.0KForm 4
Aug 6, 2026CLEMONS JAMES RANDALLDirectorBuy2,982$83.45$248.8KForm 4
Aug 5, 2026RICHERSON HERBERT ELMERDirectorBuy30$83.45$2.5KForm 4
Jul 21, 2026RICHERSON HERBERT ELMERDirectorBuy1,798$83.45$150.0KForm 4
Jun 11, 2026Oakley ClarkEVPBuy5$83.45$417Form 4
May 15, 2026BELL JACK WDirectorBuy1,221$81.95$100.1KForm 4
May 8, 2026RICHERSON HERBERT ELMERDirectorBuy1,221$81.95$100.1KForm 4
Mar 9, 2026Oakley ClarkEVPBuy5$80.45$402Form 4
Feb 19, 2026RICHERSON HERBERT ELMERDirectorBuy15$80.45$1.2KForm 4
Feb 17, 2026MCDEARMAN JOHNPresident & CEOBuy14$80.45$1.1KForm 4
Feb 17, 2026Foster` JohnBuy4$80.45$322Form 4
Dec 12, 2025BELL JACK WDirectorBuy1,243$80.45$100.0KForm 4
Oct 22, 2025Oakley ClarkEVPBuy4$79.00$316Form 4
Oct 22, 2025COMER JAMES FDirectorBuy64$79.00$5.1KForm 4
Aug 14, 2025MCDEARMAN JOHNPresident & CEOBuy15$77.60$1.2KForm 4
Aug 14, 2025Foster` JohnBuy5$77.60$388Form 4
Jul 28, 2025BELL JACK WDirectorSale1,611$77.60$125.0KForm 4
Jul 28, 2025Jordan WIllDirectorBuy1,611$77.60$125.0KForm 4
Jul 28, 2025BELL JACK WDirectorSale1,611$77.60$125.0KForm 4
Jul 25, 2025RICHERSON HERBERT ELMERDirectorBuy18$77.60$1.4KForm 4

All 84 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025John C. McDearman IIIPresident$627.3K$1.8M67
2025John FosterExecutive Vice$432.4K$1.4M67
2025Clark OakleyExecutive Vice$323.3K$681.0K67
2025Taylor WalkerExecutive Vice$324.8K$674.2K67
2025Kayla HawkinsChief Financial$341.2K$608.5K67
2024and Chief Executive Officer of the$603.2K$1.4M67
2024President of the Company and$415.7K$1.1M67
2024President of the Bank$313.8K$583.5K67
2024Officer of the Company and the Bank$315.8K$542.3K67
2024President and Chief Operating$313.3K$529.3K67
2023Company and Chief Executive Officer of the Bank$580.0K$1.4M67
2023President of the Bank$399.8K$1.0M67
2023Officer of the Bank$304.7K$524.0K67

SEC filer profile

How WILSON BANK HOLDING CO is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARWILSON BANK HOLDING CO1
  • CIK0000885275
  • Employer ID (EIN)62-149707613
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company13
  • Incorporated inTennessee13
  • Fiscal year endsDecember 311
  • Industry code (SIC)6021 National Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address623 W Main Street, P.O. Box 768, Lebanon, TN 370871
  • Phone61544422651
  • Shares outstanding12,420,687 as of Aug 7, 20269
  • Public float$878.7M as of Jun 30, 202513
  • AuditorRubin Brown LLP, Nashville, Tennessee PCAOB ID 41; it also attests to the company’s internal control over financial reporting13
  • On EDGAR sinceAug 12, 19961
  • Filings1,703 in all: 4 (1,295), 8-K (102), 10-Q (91), 4/A (62), DEF 14A (30), 10-K (29), 5 (21), ARS (17)1
    All 28 form types

    3 (14), UPLOAD (6), CORRESP (4), PRE 14A (4), S-3D (4), S-8 (4), 8-K/A (3), 10-K/A (2), 10-Q/A (2), 424B3 (2), S-4 (2), 10-K405 (1), 5/A (1), DEFA14A (1), DEFR14A (1), NT 10-K (1), POS AM (1), S-3DPOS (1), S-4/A (1), S-8 POS (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Mar 20, 2026
    Latest 8-K (8-K) Oct 9, 2026

Risk factors and legal proceedings

The risks WILSON BANK HOLDING CO names in Item 1A of its 10-K filed Feb 27, 2026: 40 risks under these headings, as written.13

  • Investing in the Company’s common stock involves various risks which are particular to the Company, its industry and its market areas. Several risk factors regarding investing in the Company’s common stock are discussed below. If any of the following risks were to occur, the Company may not be able to conduct its business as currently planned and its financial condition or operating results could be materially and negatively impacted. These matters could cause the value of the Company’s common stock to decline in future periods.
  • Interest Rate Risks
  • Credit and Lending Risks
  • Liquidity and Capital Risks
  • Operational and Market Risks
  • Regulatory and Compliance Risks
  • Risks Relating to the Company’s Securities
  • The Company’s net interest margin, and consequently its net earnings, are significantly affected by interest rate levels and movements in short-term rates as well as competitive pressures the Company faces.
  • Hedging strategies that may not be effective, including in the event that interest rates move in manners different from those anticipated at the time a hedging strategy is implemented.
  • The performance of the Company’s investment securities portfolio is subject to fluctuation due to changes in interest rates and market conditions, including credit deterioration of the issuers of individual securities.
  • The Company’s loan portfolio includes a significant amount of real estate loans, including construction and development loans, which loans have a greater credit risk than residential mortgage loans.
  • The Company has significant credit exposure to borrowers that are homebuilders and land developers and the Company also targets small businesses.
The other 34 risks
  • An inadequate allowance for credit losses would negatively impact the Company’s results of operations and financial condition.
  • The Company’s accounting estimates and risk management processes rely on analytical and forecasting models and tools.
  • The Company could sustain losses if its asset quality declines.
  • Environmental liability associated with commercial lending could result in losses.
  • The Company depends on the accuracy and completeness of information about customers.
  • The Company may be subject to claims and litigation asserting lender liability.
  • Liquidity risk could impair the Company’s ability to fund its operations and jeopardize its financial condition.
  • The Company’s and the Bank’s ability to maintain required capital levels and adequate sources of funding and liquidity could be impacted by changes in the capital markets and deteriorating economic and market conditions.
  • The Company has a concentration of deposit accounts with state and local municipalities that is a material source of our funding, and the loss of these deposits or significant fluctuations in balances held by these public bodies could force us to fund our business through more expensive and less stable sources.
  • Negative developments in the U.S. and local economies in the Company’s markets may adversely impact the Company’s results in the future.
  • The Company is geographically concentrated in Wilson County, Tennessee and its surrounding counties and changes in local economic conditions could impact its profitability.
  • The Company’s business may suffer if there are significant declines in the value of real estate.
  • The Company has sought to expand its franchise by developing new markets or expanding its operations in existing markets and may continue to do so in future years.
  • The Company is dependent on its information technology and telecommunications systems and third-party servicers, and systems failures, interruptions or breaches of security could have an adverse effect on its financial condition and results of operations, as well as cause legal or reputational harm.
  • Competition from financial institutions and other financial service providers, including non-depository institutions, may adversely affect the Company’s profitability.
  • The Company’s key management personnel may leave at any time.
  • An ineffective risk management framework could have a material adverse effect on the Company’s strategic planning and its ability to mitigate risks and/or losses and could have adverse regulatory consequences.
  • The Company’s selection of accounting policies and methods may affect its reported financial results.
  • The Company currently invests in bank owned life insurance (“BOLI”) and may continue to do so in the future.
  • The Company’s business reputation and relationships are important and any damage to them could have a material adverse effect on its business.
  • The Company’s business is dependent on technology, and an inability to invest in technological improvements may adversely affect the Company’s results of operations and financial condition.
  • The Company is subject to regulatory oversight and certain litigation, and its expenses related to this regulatory oversight and litigation may adversely affect its results.
  • The soundness of other financial institutions, including those with whom the Company has engaged in transactions, could adversely affect the Company.
  • Natural disasters and the effects of a changing climate may adversely affect the Company and its customers.
  • The Company’s asset valuation may include methodologies, estimations and assumptions which are subject to differing interpretations and could result in changes to asset valuations that may materially adversely affect its results of operations or financial condition.
  • If the Company fails to maintain an effective system of internal control over financial reporting, it may not be able to accurately report its financial results. As a result, current and potential holders of the Company’s common stock could lose confidence in the Company’s financial reporting, which would harm the Company’s business and the trading price of its securities.
  • Changes in financial accounting and reporting standards, or the interpretation of those standards could affect the way the Company accounts for its operations and these changes could have a material adverse effect on the Company’s financial condition and results of operations.
  • Federal or state legislation or regulation may increase the Company’s expenses and reduce earnings.
  • The Company, as well as the Bank, operate in an increasingly highly regulated environment and are supervised and examined by various federal and state regulatory agencies who may adversely affect the Company’s ability to conduct business.
  • The Company and the Bank must maintain adequate regulatory capital to support the Company’s business objectives.
  • The Company is required to act as a source of financial and managerial strength for the Bank in times of stress.
  • Non-compliance with the Patriot Act, the BSA or other laws and regulations, like those issued by OFAC, could result in fines or sanctions against the Company.
  • The Company’s common stock is thinly traded, and recent prices may not reflect the prices at which the stock would trade in an active trading market.
  • The Company’s ability to declare and pay dividends is limited.

Legal proceedings

As of the date hereof, there are no material pending legal proceedings to which the Company or any of its subsidiaries is a party or of which any of its properties are subject; nor are there material proceedings known to the Company or its subsidiaries to be contemplated by any governmental authority; nor are there material proceedings known to the Company or its subsidiaries, pending or contemplated, in which any director, officer or affiliate or any principal security holder of the Company or any of its subsidiaries or any associate of any of the foregoing, is a party or has an interest adverse to the Company or any of its subsidiaries.

The opening of Item 3, Legal Proceedings.13

Sources

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