Wilson Bank Holding (WBHC) mails 2025 earnings letter to holders

Rhea-AI Filing Summary

Wilson Bank Holding Company filed a current report to inform investors that it has mailed a shareholder letter describing its earnings for the fiscal year ended December 31, 2025. The company states that this shareholder letter, dated January 16, 2026, is provided as Exhibit 99.1 to the report. The filing is presented under Items 2.02 and 7.01, focusing on results of operations, financial condition, and Regulation FD disclosure.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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

Date of Report (Date of earliest event reported): January 16, 2026

WILSON BANK HOLDING COMPANY

(Exact name of Registrant as Specified in Its Charter)

Tennessee			0-20402	62-1497076
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
623 West Main Street
Lebanon, Tennessee				37087
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 615 444-2265

(Former Name or Former Address, if Changed Since Last Report)

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)
☐	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐	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:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
None		N/A		N/A

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 January 16, 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 fiscal year ended December 31, 2025. 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.

Exhibit Number		Description
99.1		EX-99.1 Letter to shareholders mailed January 16, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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.

			WILSON BANK HOLDING COMPANY
Date:	January 16, 2026	By:	/s/ John C. McDearman III
			John C. McDearman III President/Chief Executive Officer

FAQ

What did Wilson Bank Holding Company (WBHC) disclose in this 8-K?

Wilson Bank Holding Company disclosed that it mailed a letter to shareholders describing its earnings for the fiscal year ended December 31, 2025, and furnished that letter as Exhibit 99.1.

Which period’s results are discussed in WBHC’s shareholder letter?

The shareholder letter describes Wilson Bank Holding Company’s earnings for the fiscal year ended December 31, 2025.

How is the shareholder letter made available in the WBHC 8-K?

The shareholder letter is included as Exhibit 99.1, identified as a letter to shareholders mailed on January 16, 2026.

Which items of the 8-K does Wilson Bank Holding Company use for this disclosure?

Wilson Bank Holding Company uses Item 2.02 for Results of Operations and Financial Condition and Item 7.01 for Regulation FD Disclosure.

Does this WBHC 8-K include detailed financial statements?

This report references a shareholder letter that describes earnings and furnishes it as Exhibit 99.1; the detailed financial information is contained within that exhibit rather than in the body of the report.