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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Tennessee, the state note

Wilson Bank & Trust

Lebanon, Tennessee · $5.98B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

42.2%
CRE / loans
11th of 12
264.3%
CRE / capital
10th of 12
0.63%
NPA / loans
9th of 12

Wilson Bank & Trust is the fourth largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $5.98B in assets at 30 June 2026. Loans are 84.2% of deposits, 6th of 12 against a median of 84.7%, and equity is 10.1% of assets, 6th of 12. Loans grew +4.5% in the year, 8th of 12, and deposits grew 5.4%; the cohort's median loan growth is +7.1%.

Noncurrent loans are 0.63% of the book, 9th of 12 against a median of 0.52%; 0.36% is 30 to 89 days past due, and the allowance covers them 2.0 times. Commercial real estate is 42.2% of loans, 11th of 12 against a median of 29.7%, and 264% of capital, below the 300% screen, with construction at 119% against the 100% screen.

Return on assets is 1.45%, 4th of 12 against a median of 1.16%, on an efficiency ratio of 52.7%, 4th of 12. Five years ago it was 1.28%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansSouth Central states banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 29.7% RB River Bank & Trust 22.3% GC Gulf Coast Bank & Trust Co. 23.2% RB Republic Bank & Trust Co. 25.8% IB Independence Bank of Kentucky 26.4% CB Community Bank of Mississippi 26.8% CT Community Trust Bank Inc 29.4% IB Investar Bank National Association 30.0% S Smartbank 38.4% FG First Guaranty Bank 40.0% EB Encore Bank 40.2% WB Wilson Bank & Trust 42.2% CB Central Bank & Trust Co. 45.8%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.1% IB Investar Bank National Association +45.3% S Smartbank +13.6% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% CT Community Trust Bank Inc +9.0% CB Community Bank of Mississippi +8.9% CB Central Bank & Trust Co. +5.3% WB Wilson Bank & Trust +4.5% RB Republic Bank & Trust Co. +1.1% IB Independence Bank of Kentucky +1.1% EB Encore Bank -6.9% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Wilson Bank & Trust is the 73rd largest 7(a) lender into Tennessee of 374, with $15M across 18 loans, 0.3% of everything approved in the state (Pinnacle Bank leads with $494M). Every market on its book has had an approval since FY2023.

Where it lends in Tennessee, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sumner, TN$3M21st of 661.7%thin
Putnam, TN$3M11th of 434.2%thin
Davidson, TN$2M68th of 1640.3%thin
Wilson, TN$2M21st of 601.7%thin
Bedford, TN$2M6th of 183.5%thin
Williamson, TN$1M57th of 1120.3%thin
Rutherford, TN$931K47th of 860.4%thin
Hamilton, TN$458K77th of 1060.1%thin
Robertson, TN$282K25th of 360.6%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade3$4M23.9%0.01%873rd of 2,589
Health care & social assistance2$3M22.2%0.01%694th of 2,172
Administrative & waste services2$2M15.8%0.02%517th of 1,763
Arts, entertainment & recreation2$2M10.7%0.01%655th of 1,656
Other services2$1M9.0%0.00%1053rd of 2,248
7(a) lenders into Tennessee, share of approvals since FY2008374 lenders on record; the ten largest and Wilson Bank & Trust
PB Pinnacle Bank 8.8% $494M · 516 loans LO Live Oak Banking Company 8.4% $469M · 352 loans UB U.S. Bank, National Association 4.6% $260M · 1,383 loans TH The Huntington National Bank 3.9% $220M · 528 loans RB Regions Bank 3.0% $167M · 232 loans UC United Community Bank 3.0% $166M · 224 loans TB Truist Bank 2.9% $165M · 383 loans SB Simmons Bank 2.2% $126M · 257 loans FH First Horizon Bank 2.1% $116M · 106 loans CB Celtic Bank Corporation 2.0% $109M · 243 loans WB Wilson Bank & Trust 0.3% $15M · 18 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Wilson Bank & TrustRankCohort median
Total CRE against capital, the 300% screen264%10th of 12203%
Construction against capital, the 100% screen119%12th of 1256%
Construction and land development, share of loans19.1%12th of 128.5%
Non-owner-occupied nonfarm nonresidential, share of loans18.6%7th of 1217.7%
Total CRE, the guidance definition, share of loans42.2%11th of 1229.7%
CRE growth over 36 months, the third prong+20.7%6th of 12+21.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Republic Bank & Trust Co.$7.05B2.1%48.8%0.56%0.46%1.6%97.2%15.4%
Community Trust Bank Inc$6.95B1.6%46.7%0.58%0.09%1.2%90.5%13.1%
Smartbank$6.11B1.1%58.4%0.24%0.03%1.0%87.0%10.8%
Wilson Bank & Trust$5.98B1.4%52.7%0.63%0.04%1.3%84.2%10.1%
Community Bank of Mississippi$5.09B1.1%65.1%0.25%0.01%1.1%75.8%8.5%
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Independence Bank of Kentucky$3.83B1.1%64.1%0.12%0.00%1.0%70.5%8.3%
Encore Bank$3.70B0.4%85.2%0.17%0.14%1.3%81.2%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Wilson Bank & TrustCohort median
20212026Change20212026Change
Loans$2.41B$4.48B+86%$2.23B$3.04B+36%
Deposits$3.23B$5.33B+65%$2.75B$3.49B+27%
NPA / loans0.05%0.63%+0.59 pts0.46%0.52%+0.07 pts
Efficiency58.5%52.7%-5.8 pts65.1%63.7%-1.4 pts
ROA1.28%1.45%+0.17 pts1.22%1.16%-0.06 pts

This read was prepared for Wilson Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Wilson Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.wilsonbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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