| Summary of Company's and Wilson Banks Actual Capital Amounts and Ratios |
The Company’s and the Bank’s actual capital amounts and ratios as of June 30, 2025 and December 31, 2024 are presented in the following tables. The capital conservation buffer of 2.5% is not included in the required minimum ratios of the tables presented below.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Actual |
|
|
Minimum Capital Adequacy |
|
|
For Classification as Well Capitalized (1) (2) |
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
|
(dollars in thousands) |
|
June 30, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
649,277 |
|
|
|
14.7 |
% |
|
$ |
352,552 |
|
|
|
8.0 |
% |
|
$ |
440,690 |
|
|
|
10.0 |
% |
Wilson Bank |
|
|
641,536 |
|
|
|
14.6 |
|
|
|
352,427 |
|
|
|
8.0 |
|
|
|
440,534 |
|
|
|
10.0 |
|
Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
594,178 |
|
|
|
13.5 |
|
|
|
264,414 |
|
|
|
6.0 |
|
|
|
264,414 |
|
|
|
6.0 |
|
Wilson Bank |
|
|
586,456 |
|
|
|
13.3 |
|
|
|
264,320 |
|
|
|
6.0 |
|
|
|
352,427 |
|
|
|
8.0 |
|
Common equity Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
594,178 |
|
|
|
13.5 |
|
|
|
198,311 |
|
|
|
4.5 |
|
|
N/A |
|
|
N/A |
|
Wilson Bank |
|
|
586,456 |
|
|
|
13.3 |
|
|
|
198,240 |
|
|
|
4.5 |
|
|
|
286,347 |
|
|
|
6.5 |
|
Tier 1 capital to average assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
594,178 |
|
|
|
10.5 |
|
|
|
226,541 |
|
|
|
4.0 |
|
|
N/A |
|
|
N/A |
|
Wilson Bank |
|
|
586,456 |
|
|
|
10.4 |
|
|
|
226,470 |
|
|
|
4.0 |
|
|
|
283,088 |
|
|
|
5.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Actual |
|
|
Minimum Capital Adequacy |
|
|
For Classification as Well Capitalized (1) (2) |
|
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
Amount |
|
|
Ratio |
|
|
|
(dollars in thousands) |
|
December 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
$ |
615,180 |
|
|
|
14.5 |
% |
|
$ |
338,916 |
|
|
|
8.0 |
% |
|
$ |
423,646 |
|
|
|
10.0 |
% |
Wilson Bank |
|
|
609,568 |
|
|
|
14.4 |
|
|
|
338,788 |
|
|
|
8.0 |
|
|
|
423,485 |
|
|
|
10.0 |
|
Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
563,128 |
|
|
|
13.3 |
|
|
|
254,188 |
|
|
|
6.0 |
|
|
|
254,188 |
|
|
|
6.0 |
|
Wilson Bank |
|
|
557,516 |
|
|
|
13.2 |
|
|
|
254,090 |
|
|
|
6.0 |
|
|
|
338,787 |
|
|
|
8.0 |
|
Common equity Tier 1 capital to risk weighted assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
562,925 |
|
|
|
13.3 |
|
|
|
190,641 |
|
|
|
4.5 |
|
|
N/A |
|
|
N/A |
|
Wilson Bank |
|
|
557,313 |
|
|
|
13.2 |
|
|
|
190,568 |
|
|
|
4.5 |
|
|
|
275,264 |
|
|
6.5 |
|
Tier 1 capital to average assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consolidated |
|
|
563,128 |
|
|
|
10.4 |
|
|
|
216,949 |
|
|
|
4.0 |
|
|
N/A |
|
|
N/A |
|
Wilson Bank |
|
|
557,516 |
|
|
|
10.3 |
|
|
|
216,873 |
|
|
|
4.0 |
|
|
|
271,092 |
|
|
|
5.0 |
|
1.Ratios for Wilson Bank are those under applicable FDIC regulations for prompt corrective action. 2.Well-capitalized minimum Common equity Tier 1 capital to risk weighted assets and Tier 1 capital to average assets are not formally defined under applicable regulations for bank holding companies.
|