Wilson Bank Holding Company is the holding company for Wilson Bank and Trust, a community bank headquartered in Lebanon, Tennessee. Wilson Bank operates 32 full-service branches across 10 counties in middle Tennessee, with the greatest concentration in Wilson County. The bank targets individuals, small businesses, professionals, and government entities across the Nashville metro area and surrounding counties. Wilson Bank's core products are loans and deposits: on the lending side, the bank offers commercial loans, commercial real estate loans, residential mortgages, home equity products, consumer loans, and credit cards, with a focus on small- to mid-sized businesses. On the deposit side, the bank gathers checking, savings, money market, and CD accounts, with an emphasis on lower-cost core operating accounts from local businesses and public fund deposits. Wilson Bank earns a net interest margin by lending at higher rates than it pays on deposits, which is the primary driver of profitability. Fee income from mortgage banking, trust and custodial services, treasury management, and a Raymond James brokerage program provides supplemental revenue. Wilson Bank sells exclusively through its branch network, positioning itself around local relationship banking and locally-made credit decisions.