v3.26.1
Consolidated Statements of Earnings (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Interest income:    
Interest and fees on loans $ 73,030 $ 68,113
Interest and dividends on securities:    
Taxable securities 7,896 5,659
Exempt from federal income taxes 262 279
Interest on loans held for sale 59 36
Interest on federal funds sold 87 102
Interest on balances held at depository institutions 2,838 2,225
Interest and dividends on restricted securities 81 88
Total interest income 84,253 76,502
Interest expense:    
Interest on negotiable order of withdrawal accounts 1,610 1,988
Interest on money market and savings accounts 10,306 9,892
Interest on time deposits 18,469 20,009
Interest on Federal funds purchased 1 1
Interest on finance leases 39 33
Total interest expense 30,425 31,923
Net interest income before provision for credit losses 53,828 44,579
Provision for credit losses - loans 2,541 2,233
Provision (benefit) for credit losses - off-balance sheet exposures 144 (393)
Net interest income after provision for credit losses 51,143 42,739
Non-interest income:    
Service charges on deposit accounts 2,274 2,060
Brokerage income 2,591 2,412
Debit and credit card interchange income, net 1,631 1,867
Other fees and commissions 380 400
Premium on credit card portfolio sale 1,127 0
Income on BOLI and annuity contracts 685 603
Gain on sale of loans 726 731
Mortgage servicing income (loss) 94 (1)
Credit Card Revenue Share 70 0
Loss on sale of fixed assets (3) (6)
Gain on sale of securities, net (0) 13
Loss on sale of other assets (2) 2
Other income 37 16
Total non-interest income 9,610 8,097
Non-interest expense:    
Salaries and employee benefits 19,540 17,872
Occupancy expenses, net 1,672 1,459
Advertising & public relations expense 771 743
Furniture and equipment expense 677 763
Data processing expense 3,096 2,614
Directors’ fees 189 153
FDIC insurance 939 1,131
Audit, legal & consulting expenses 1,000 900
Other operating expenses 3,883 3,623
Total non-interest expense 31,767 29,258
Earnings before income taxes 28,986 21,578
Income taxes 6,725 5,181
Net earnings 22,261 16,397
Net earnings attributable to noncontrolling interest 0 (5)
Net earnings attributable to Wilson Bank Holding Company $ 22,261 $ 16,392
Weighted average number of common shares outstanding-basic (in shares) 12,250,325 11,962,782
Weighted average number of common shares outstanding-diluted (in shares) 12,294,253 12,000,111
Basic earnings per common share (in dollars per share) $ 1.82 $ 1.37
Diluted earnings per common share (in dollars per share) 1.81 1.37
Dividends per common share (in dollars per share) $ 1.35 $ 1