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Wilson Bank & Trust

Lebanon, TN · Cert 26962 · Wilson Bank Holding Co.

State charter, non-member · FDIC · 32 branches

Q2 2026

$6.0BAssets
$4.5BLoans
$5.3BDeposits
$603.5MEquity
Loan mix
95%RE $4.1B4%C&I $0.2B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $4.9B8%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.26%Q2 ’245.54%Q2 ’255.55%Q2 ’26+13%+8%

Non-interest income vs. expense

2.14%Q2 ’242.16%Q2 ’252.26%Q2 ’26+4%+5%

Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 4.3% share · #7 of 62 inst. · $4.7B of $107.8B

45.9% Wilson
10.3% Rutherford
0.8% Davidson
7.9% Sumner

Executive Summary

  • Earnings: ROA of 1.48%, up 15 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.63% of loans (+39 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.85%, up 49 bps from a year ago.
  • Funding: loans stand at 84.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+15 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+26 bps YoY

Efficiency Ratio (YTD, annualized)

52.73%-120 bps YoY

Tier 1 Leverage Ratio

10.85%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%1.32%1.38%1.52%1.48%+15 bps
Return on Equity14.67%14.33%14.76%15.49%14.98%+31 bps
Net Interest Margin3.28%3.24%3.27%3.60%3.54%+26 bps
Efficiency Ratio53.93%53.77%53.63%50.91%52.73%-120 bps
Non-Interest Burden1.44%1.41%1.43%1.46%1.51%+8 bps
Growth
Asset Growth (YoY)12.73%11.14%9.71%8.31%6.19%-654 bps
Loan Growth (YoY)14.15%9.54%6.33%5.08%4.46%-969 bps
Deposit Growth (YoY)12.18%10.87%8.50%7.59%5.36%-682 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.89%0.65%0.52%0.63%+39 bps
Net Charge-Offs / Loans0.02%0.02%0.04%0.03%0.04%+2 bps
Allowance / Loans1.25%1.26%1.26%1.30%1.29%+3 bps
Allowance Coverage of NPLs5.1x1.4x1.9x2.5x2.0x-3.1x
Capital
Tier 1 Leverage Ratio10.36%10.37%10.57%10.70%10.85%+49 bps
Total Risk-Based Capital14.56%14.89%15.56%15.54%15.60%+104 bps
Equity / Assets9.29%9.45%9.84%9.76%10.09%+80 bps
Liquidity & Funding
Loans / Deposits84.90%83.59%82.88%82.14%84.18%-72 bps
Liquid Assets / Assets3.70%5.86%5.55%5.30%3.51%-19 bps
CRE / Total Capitaln/a427%401%399%n/an/a