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): October 13, 2020

WILSON BANK HOLDING COMPANY

(Exact name of registrant as specified in its charter)

(615) 444-2265

(Registrant’s telephone number, including area code)

Not Applicable

(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 (see General Instruction A.2. below):

Securities registered pursuant to Section 12(b) of the Act: None.

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 October 13, 2020, 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 first nine months of 2020. The 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.

(d) Exhibits

99.1 Letter to shareholders mailed October 13, 2020.

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.

EXHIBIT INDEX

ex_179819.htm

Exhibit 99.1

October 13, 2020

Dear Shareholder:

The Board of Directors of Wilson Bank Holding Company is pleased to share with you the company’s third quarter 2020 results. As we remain focused on our customers and our vision to be the bank of choice in Tennessee we continue to seek to maximize our earnings. We are pleased to report the following results of your company, as of September 30, 2020:

We are proud of our performance despite the uncertainties this year has brought and are cautiously optimistic as we head into the fourth quarter of our fiscal year. Rest assured, we remain committed to our strategy of conservative management as we seek to protect our shareholders investment in our company.

To say this has been a most unusual year on many fronts is an understatement. Not being able to execute our community-centric strategy by supporting the events and fundraisers in the manner that we have in the past has been disappointing for our team. With that being said, it is known that limitation breeds innovation, and the current environment has given us the opportunity to find new and different ways to serve and support our customers and communities. Planning and budgeting is underway for the hopeful return of some of our signature events like Oktoberfest, Family Fun Days, and our Travel program. The key is we must remain flexible and focused as our communities, country, and world continue to evaluate both the short-term and long-term effects of the pandemic.

A few key areas of focus for us in the fourth quarter include:

Our leadership and bank team continue to shine by developing new and different ways to serve our customer’s needs. Our lobbies are open as we make every effort to protect you and our employees by continuing to use prudent sanitary measures. As a company we strive to be consistent in the service we offer and the care that our customers have come to know and love us for. We remain committed to being here for them today and tomorrow as challenges arise.

Thanks for your support and continuing referrals to help build our business. We know that great things will continue to happen if management, employees, directors, and you, our shareholders, continue to work together. There is no doubt that our loyal customers, shareholder base, and employees are the key to our future.

Sincerely,