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 | |