Wilson Bank Holding Co: management transactions · United States · SEC (Form 4)

About Wilson Bank Holding Co

Wilson Bank Holding Co (ticker WBHC) is a U.S. bank holding company whose operating platform is Wilson Bank & Trust, a Tennessee state-chartered community bank headquartered in Lebanon, Tennessee. According to the company’s 2025 annual report, the holding company was formed in 1992 and the banking business began operating in 1987. The institution positions itself as an independent community bank built around local decision-making, personalized service, and a long-standing relationship-driven model rather than a national scale franchise. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000885275/000119312526117752/ars_2025.pdf)) From a business-model perspective, WBHC serves consumers, professionals, small businesses, and municipalities in the United States, with a geographic footprint concentrated in Middle Tennessee and the greater Nashville area. As of December 31, 2025, Wilson Bank operated 33 office locations across Wilson, Davidson, DeKalb, Smith, Sumner, Rutherford, Putnam, Trousdale, Hamilton, and Williamson counties. That footprint underscores a dense regional network and a clearly defined local-market strategy rather than a broad multi-state expansion plan. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000885275/000119312526117752/ars_2025.pdf)) The company’s core product set is typical of a community and regional bank, but with enough breadth to support cross-selling. Its deposit offerings include checking accounts, savings accounts, interest-bearing and noninterest-bearing accounts, money market deposit accounts, and certificates of deposit. On the lending side, the bank originates consumer, commercial, and real-estate loans, together with home equity lines of credit. It also provides investment, trust, insurance, custodial, and brokerage services, which helps diversify fee income and deepen customer relationships. ([stockanalysis.com](https://stockanalysis.com/quote/otc/WBHC/company/)) Wilson Bank’s competitive position is anchored in local expertise and proximity to customers. The annual report highlights the bank’s focus on local consumers and businesses, including public-sector relationships such as municipal and other public-body deposits. Its primary markets sit inside the Nashville-Davidson-Murfreesboro-Franklin metropolitan statistical area, one of the more economically dynamic corridors in Tennessee. For a regional institution, that geographic exposure can be a positive structural support, provided credit quality and deposit discipline remain strong. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000885275/000119312526117752/ars_2025.pdf)) Recent developments in the 2025 annual report include a reported year-end stock transaction reference at $80.45 per share in Q4 2025, and dividend declarations of $1.00 per share on January 1, 2025 and $1.25 per share on July 1, 2025. The filing also states that Wilson Bank Holding Company’s common stock is not traded on an exchange and that no known active trading market exists; the company notes, however, that some transactions are occasionally reported in the OTC market. The report listed 5,073 record shareholders as of February 25, 2026. For investors, WBHC remains a niche U.S. financial-services name tied to the Tennessee economy, the local rate environment, and community-bank fundamentals. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0000885275/000119312526117752/ars_2025.pdf))