Wilson Bank(OTC) WBHC

Wilson Bank helps people and businesses in Tennessee manage money and get loans. Its checking accounts let customers pay bills and save easily. Home and business loans help clients buy property or grow their companies.

Products and Services

• Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
• Lending Services: Home, business, construction, and personal loans for local borrowers (percentage of revenue not disclosed).
• Trust and Custodial Services: Management of assets and estates for individuals and families (percentage of revenue not disclosed).
• Investment and Advisory: Financial planning, portfolio management, and investment products for clients (percentage of revenue not disclosed).
• Insurance Products: Personal and business insurance options for risk protection (percentage of revenue not disclosed).
• Digital Banking: Online, mobile, and telephone banking for convenient account access (percentage of revenue not disclosed).

Growth and Expansion

• Acquired a branch in Cookeville, Tennessee from another bank in April 2025, adding $14.1 million in loans and $25.3 million in deposits.
• Opened a new loan production office in Nolensville, Tennessee in July 2025 to expand lending reach.
• Sold a 51% stake in Encompass Home Lending LLC in June 2025, exiting direct mortgage banking joint venture.
• Invested in technology and digital banking services to improve customer experience and security (ongoing).

What Makes Wilson Bank Stand Out

Wilson Bank focuses on local Tennessee markets, offering a wide range of financial services under one brand. Its community banking model emphasizes local decision-making and relationship-based service. The company maintains a diversified loan portfolio across residential, commercial, and consumer segments.

Five Things You Need to Know

• Total revenue was $90 million in Q2 2025, up 91.1% from Q2 2024.
• Net earnings reached $19 million in Q2 2025, up 18.5% year-over-year.
• Total assets were $5.63 billion as of June 30, 2025, up 5.1% from year-end 2024.
• Return on average assets was 1.38% in Q2 2025, up from 1.31% in Q2 2024.
• Non-performing loans increased to $10.5 million at June 30, 2025, mainly in residential real estate.

Bottom Line

Wilson Bank has grown through local expansion, digital investments, and a broad service offering. Its focus on community banking and diversified lending supports steady performance in Tennessee’s financial sector.