---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-22-024382"
form_type: "8-K"
ticker: "WBHC"
cik: "0000885275"
company_name: "WILSON BANK HOLDING CO"
filed_at: "2022-10-19T23:59:59+00:00"
generated_at: "2026-06-23T02:49:52.404671+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Wilson Bank reports 9-month net income $40.7M, EPS $3.58; equity down 17.2% on unrealized losses

## Summary
- Net income for nine months ended Sep 30, 2022: $40.7M, up 14.25% YoY from $35.6M; diluted EPS $3.58 vs $3.20.
- Assets $4.13B, up 3.53% from Dec 2021; shareholder equity $342.6M, down 17.2% due to $115.2M unrealized losses.
- Loan growth strong early Q3 but slowed in September due to rising rates; net interest margin likely to reverse trend.
- Expanding into Chattanooga market: hired three commercial bankers (Kathryn Gann, Ami Ingle, Elise O'Brien).
- Allowance for loan losses at 1.26% of loans; bank does not anticipate needing to sell investments at a loss.

## SEC filing metadata
- accession: 0001437749-22-024382
- form_type: 8-K
- ticker: WBHC
- cik: 0000885275
- company_name: WILSON BANK HOLDING CO
- filed_at: 2022-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/885275/000143774922024382/0001437749-22-024382-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/885275/000143774922024382/wbhc20221018b_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-22-024382
- JSON: https://secwatch.observer/filing/0001437749-22-024382.json
- Plain text: https://secwatch.observer/filing/0001437749-22-024382.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.