8-K

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): April 10, 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 April 10, 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 quarter ended March 31, 2026. 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 April 10, 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:	April 10, 2026	By:	/s/ John C. McDearman III
			John C. McDearman III President/Chief Executive Officer

Exhibit 99.1

April 10, 2026

Dear Shareholders,

As we close the first quarter of the year, we want to thank you for your continued confidence in Wilson Bank & Trust. While the global environment has been shaped by economic pressure and ongoing market volatility, our organization has remained focused on what has always defined us, serving our communities with stability, sound financial guidance, and a long-term perspective. We are proud to share that our bank experienced steady growth throughout the quarter, a reflection of the trust our customers place in us and the dedication of our team.

As we reflect on the impact of these efforts, we are also proud to share the highlights of our financial results for the first quarter of 2026:

•

Assets as of March 31, 2026 were $5.991 billion, representing an increase of $459.8 million, or 8.31%, from March 31, 2025.

•

Loans as of March 31, 2026 were $4.394 billion, representing an increase of $212.6 million, or 5.09%, from March 31, 2025.

•

Deposits as of March 31, 2026 were $5.338 billion, representing an increase of $376.6 million, or 7.59%, from March 31, 2025.

•

Total Shareholders’ Equity as of March 31, 2026 was $594.6 million, representing an increase of $88.2 million, or 17.43% from March 31, 2025.

•

Earnings Per Diluted Share for the first quarter of 2026 and 2025 were $1.81 and $1.37, respectively.

The latest price at which the Company’s common stock has been traded of which we are aware was $81.95 per share.

This year brings a meaningful opportunity to celebrate the communities we serve through America 250. For us, this milestone is about more than commemorating history. It’s about honoring the heritage of our towns, the people who built them, and the shared values that continue to shape our future. At Wilson Bank & Trust, we see America 250 as a chance to reinforce our commitment to local relationships, community investment, and financial empowerment for generations to come.

We are pleased to announce that Doug Gold has been promoted to Regional President in our North Region. Since joining Wilson Bank & Trust in 1999, Doug has led our efforts to grow in the Hermitage community as well as in Davidson County, and he will now focus on Sumner County. Living in Gallatin since 2017, Doug understands the local market and has already driven strong results. Doug's leadership and commitment to responsible expansion match our vision for the bank's future.

This year, Wilson Bank & Trust was honored to be ranked #40 nationwide on Forbes’ list of Best Banks in America. This recognition highlights the dedication of our team, the commitment of our customers, and our consistent, disciplined approach to banking.

Looking ahead, we hope you will join us for two important upcoming events:

•

Our Annual Shareholder Meeting on April 23 at 5:00 p.m. will be at the Clemons-Richerson Operations Center in Lebanon, TN.

•

Our Shareholder Picnic on May 12 from 4:30 to 7:00 p.m. will be held in Fiddlers Grove at the Wilson County Fairgrounds. Jamie Dailey from Grammy-nominated Dailey & Vincent will headline this year's entertainment.

These gatherings are always special opportunities for us to connect, celebrate progress, and thank you personally for your continued partnership.

On behalf of our leadership team and board of directors, thank you for your ongoing support and belief in Wilson Bank & Trust. We remain committed to pursuing responsible growth through strong relationships and serving our communities well.

Sincerely,



John McDearman, III	Mike Maynard
President/CEO	Chairman
Wilson Bank Holding Company	Wilson Bank Holding Company