Lebanon, TN · Cert 26962 · Wilson Bank Holding Co.
State charter, non-member · FDIC · 32 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
49
Profitability
69
Liquidity
84
Efficiency
71
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lebanon, TN · Cert 26962 · Wilson Bank Holding Co.
State charter, non-member · FDIC · 32 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 4.3% share · #7 of 62 inst. · $4.7B of $107.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.15% | 1.24% | 1.33% | 1.32% | 1.38% | 1.52% | 1.48% | +15 bps | |
| Return on Equity | 12.82% | 12.91% | 13.85% | 14.67% | 14.33% | 14.76% | 15.49% | 14.98% | +31 bps | |
| Net Interest Margin | 2.91% | 2.88% | 3.22% | 3.28% | 3.24% | 3.27% | 3.60% | 3.54% | +26 bps | |
| Efficiency Ratio | 58.22% | 57.47% | 55.67% | 53.93% | 53.77% | 53.63% | 50.91% | 52.73% | -120 bps | |
| Non-Interest Burden | 1.38% | 1.35% | 1.48% | 1.44% | 1.41% | 1.43% | 1.46% | 1.51% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.55% | 10.57% | 11.97% | 12.73% | 11.14% | 9.71% | 8.31% | 6.19% | -654 bps | |
| Loan Growth (YoY) | 12.81% | 13.80% | 15.54% | 14.15% | 9.54% | 6.33% | 5.08% | 4.46% | -969 bps | |
| Deposit Growth (YoY) | 12.42% | 10.65% | 11.61% | 12.18% | 10.87% | 8.50% | 7.59% | 5.36% | -682 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.15% | 0.14% | 0.12% | 0.24% | 0.89% | 0.65% | 0.52% | 0.63% | +39 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.02% | 0.02% | 0.04% | 0.03% | 0.04% | +2 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.23% | 1.25% | 1.26% | 1.26% | 1.30% | 1.29% | +3 bps | |
| Allowance Coverage of NPLs | 8.1x | 8.9x | 10.3x | 5.1x | 1.4x | 1.9x | 2.5x | 2.0x | -3.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 10.28% | 10.42% | 10.36% | 10.37% | 10.57% | 10.70% | 10.85% | +49 bps | |
| Total Risk-Based Capital | 14.33% | 14.39% | 14.59% | 14.56% | 14.89% | 15.56% | 15.54% | 15.60% | +104 bps | |
| Equity / Assets | 9.10% | 8.85% | 9.12% | 9.29% | 9.45% | 9.84% | 9.76% | 10.09% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.60% | 84.58% | 84.10% | 84.90% | 83.59% | 82.88% | 82.14% | 84.18% | -72 bps | |
| Liquid Assets / Assets | 4.20% | 3.92% | 5.23% | 3.70% | 5.86% | 5.55% | 5.30% | 3.51% | -19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 427% | 401% | 399% | n/a | n/a | |
Lebanon, TN · Cert 26962 · Peer group: banks $1B-$10B in assets (n=322-328) · Wilson Bank Holding Co.
State charter, non-member · FDIC · 32 branches
Q2 2026
Return on Assets
1.48%
Rank 89 of 328
Net Interest Margin
3.54%
Rank 143 of 328
Efficiency Ratio
52.75%
Rank 95 of 328
Equity / Assets
10.09%
Rank 177 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.48% | 0.91% | 1.22% | 1.52% | Beats 73% | 89 / 328 | ||
| Return on Equity | 14.62% | 8.43% | 11.45% | 14.43% | Beats 77% | 75 / 328 | ||
| Net Interest Margin | 3.54% | 3.03% | 3.45% | 3.83% | Beats 56% | 143 / 328 | ||
| Efficiency Ratio | 52.75% | 51.61% | 59.56% | 67.53% | Beats 71% | 95 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.24% | 0.51% | 1.03% | Beats 42% | 189 / 322 | ||
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 56% | 144 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.35% | 11.75% | 13.15% | 15.47% | Beats 66% | 112 / 328 | ||
| Total Risk-Based Capital Ratio | 15.60% | 12.63% | 14.15% | 16.46% | Beats 69% | 103 / 328 | ||
| Equity / Assets | 10.09% | 9.15% | 10.33% | 12.01% | Beats 46% | 177 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.18% | 76.63% | 87.92% | 95.36% | 41st pctl | 189 / 323 | ||
| Loans / Assets | 75.01% | 65.18% | 74.15% | 79.98% | 54th pctl | 151 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||