Wilson Bank Holding Co earns $65.3M over nine months
Construction is progressing on the Smyrna office, whose planned early 2027 opening will make it the bank’s 33rd full-service location.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Filing Summary
Wilson Bank Holding Company (WBHC) reported $65.3 million in net income for the nine months ended September 30, 2026, up $11.9 million, or 22.4%, from the same period in 2025. Earnings per diluted share were $5.29, compared with $4.43, an increase of 19.4%. As of September 30, assets were $6.116 billion, loans were $4.550 billion, deposits were $5.449 billion, and shareholders’ equity was $599.4 million. Compared with December 31, 2025, those balances increased 4.0%, 4.6%, 3.9%, and 3.0%, respectively.
FDIC deposit market share data as of June 30, 2026 placed Wilson Bank & Trust first in Wilson, Trousdale and DeKalb counties, second in Rutherford and Smith counties, and among the top five in Sumner and Putnam counties. Construction is progressing on the Sewart’s Landing office in Smyrna, with a grand opening planned for early 2027; it will be the bank’s 33rd full-service location and sixth in Rutherford County. Forbes named the bank among its 50 Best Banks in America, and American Banker ranked it among the Top 25 Performing Banks in the Nation in the $2 billion to $10 billion asset category, based on 2025 performance.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Positive
- Moderate pointNine-month net income increased 22.4% to $65.3 million.
Negative
- None.
8-K Event Classification
Key Figures
Key Terms
Earnings Snapshot
FAQ
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How much net income did WBHC report for the first nine months of 2026?
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |
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Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) |
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Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |
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Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |
Securities registered pursuant to Section 12(b) of the Act:
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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition.
On October 9, 2026, Wilson Bank Holding Company (the “Company”) mailed a letter to its shareholders (the “Shareholder Letter”) describing, among other things, the Company’s earnings for the first nine months of 2026. The Shareholder Letter is furnished herewith as Exhibit 99.1.
Item 7.01 Regulation FD Disclosure.
The information set out in Item 2.02 is incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits.
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99.1 |
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EX-99.1 Letter to shareholders mailed October 9, 2026 |
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
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WILSON BANK HOLDING COMPANY |
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October 9, 2026 |
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/s/ John C. McDearman III |
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John C. McDearman III |
Exhibit 99.1
October 9, 2026
Dear Shareholders,
As we enter the final quarter of 2026, Wilson Bank & Trust continues to build on a foundation of strong relationships, disciplined growth, and long-term focus. Our performance through the first nine months of the year reflects the trust of our customers, the dedication of our employees, and the confidence of our shareholders.
The following are the performance metrics as of and for the nine months ended September 30, 2026:
The latest price at which the Company’s common stock has been traded in a transaction that has settled on our books and of which we are aware was $85.00 per share.
While our financial results tell one part of the story, just as important is the continued confidence demonstrated by our customers and communities.
This year, Wilson Bank & Trust (WBT) received national recognition from two respected industry publications. In September, Forbes named WBT among its 50 Best Banks in America, based on factors including customer trust, overall satisfaction, customer service, and products and services offered. WBT was one of a small number of community-focused institutions recognized alongside some of the nation's largest financial organizations.
Earlier this year, American Banker also ranked WBT among the Top 25 Performing Banks in the Nation in the $2 billion to $10 billion asset category based on 2025 financial performance. Together, these recognitions reinforce the strength of our relationship-focused model and demonstrate that a Tennessee community bank can successfully compete on a national stage.
That same strength is reflected in the continued growth of our loan and deposit portfolio. Recent FDIC deposit market share data as of June 30, 2026 shows WBT holding the #1 deposit market share position
Exhibit 99.1
in Wilson, Trousdale, and DeKalb counties, the #2 position in Rutherford and Smith counties, and a Top 5 position in both Sumner and Putnam counties. These rankings reflect the trust customers place in our organization and the dedication of our employees serving individuals, families, and businesses across our footprint.
Construction is progressing on our newest full-service location at Sewart's Landing in Smyrna, with a grand opening planned for early 2027. The office will become our 33rd full-service location and sixth in Rutherford County, one of the fastest-growing markets we serve.
This expansion reflects our excitement for the long-term growth opportunities throughout Tennessee. While digital banking continues to evolve, much of the industry is recognizing what we have long believed: technology enhances customer convenience, but strong relationships remain essential. As customers seek trusted financial guidance and personal service, we remain committed to combining modern banking technology with the local expertise and relationship-focused approach that have long been hallmarks of WBT.
We also continue to monitor and stay attentive to the broader economic environment. Interest rates, inflationary pressures, energy costs, and geopolitical developments continue to create uncertainty for businesses and households across the country. At the same time, Tennessee has continued to demonstrate economic resilience through a diverse economy and strong employment environment. While conditions affect every customer and community differently, WBT remains committed to providing sound guidance, local decision-making, and consistent support through changing economic cycles.
As we look ahead, we invite you and your family to join us at Oktoberfest on October 17 and 18. For decades, this tradition has reflected the values that continue to define WBT: strong communities, lasting relationships, and a commitment to serving our neighbors.
We are grateful for your continued support, proud of what we have accomplished together, and excited about the opportunities that lie ahead.
Sincerely,
WILSON BANK HOLDING COMPANY
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John McDearman, III President/CEO |
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James Anthony Patton Chairman |
