Wilson Bank & Trust

What Wilson Bank & Trust does

Wilson Bank & Trust is an FDIC-insured, Tennessee state-chartered commercial bank founded in 1987 and headquartered in Lebanon, Tennessee, operating as a wholly-owned subsidiary of Wilson Bank Holding Company. The bank operates 32 full-service branch locations across 10 Tennessee counties — Wilson, Davidson, Rutherford, Trousdale, Sumner, DeKalb, Smith, Hamilton, Williamson, and Putnam — and serves individual consumers, small and mid-size businesses, and commercial and agricultural borrowers across Middle Tennessee and the Nashville metro area.

The bank offers a full suite of deposit products (personal and business checking, savings, money market, CDs, IRAs, HSAs, club accounts, youth saver) and lending products (home, home equity/HELOC, construction, land, bridge, personal, vehicle, business, and credit cards). Its digital stack is built on third-party vendor infrastructure: Banno for consumer online banking, Jack Henry for business treasury management (Business Connect), Fiserv/First Data for credit card processing, ProfitStars for loan payments, and Zelle for peer-to-peer transfers. Business banking capabilities are extended via BancCard (merchant acquiring), PAYCHEX (payroll), and Mastercard (cards, ID theft protection, Easy Savings). Youth and education segments are addressed through Greenlight (debit card/money app), the in-school School Bank program, and the Banzai financial literacy library.

The revenue model is a traditional community bank net-interest-income model: spread earned on loans (mortgage, commercial, consumer, credit card) funded by deposits (checking, savings, CDs, IRAs, money market), supplemented by transaction and service fees (overdraft, treasury management, merchant card processing, wire/ACH), interchange on credit cards, and recurring commissions from wealth management and insurance services. Customer acquisition is primarily through branch and digital self-service channels, supplemented by community events, the School Bank program, financial literacy content, and direct outreach by commercial lending and treasury management specialists emphasizing local decision-making and in-house loan processing.

Name

Wilson Bank & Trust

Legal name

Wilson Bank & Trust

Website

https://wilsonbank.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Wilson Bank & Trust is a Tennessee community bank operating 32 full-service branches across 10 counties, offering personal and business deposit, lending, treasury management, wealth, and insurance products to consumers, families, small/mid-size businesses, and agricultural borrowers throughout Middle Tennessee.

Ownership category

akta.pro rank

Headquarters

HQ city

Tennessee

HQ country

United States

HQ region

North America

Offices33 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: The primary revenue driver for Wilson Bank & Trust as a community bank. Interest earned on loans (home loans, HELOC, business loans, vehicle loans, personal loans, credit cards) minus interest paid on deposits (checking, savings, CDs, IRAs, money market accounts). This represents the spread between the cost of funds and the yield on earning assets.
2. Non-Interest Income — Fees and Service Charges: Revenue from overdraft and returned item fees, monthly service fees on business checking ($20/month, waivable with $5,000 balance), transaction fees ($0.35 per item after 500 free monthly transactions), credit card interchange and annual fees, ATM fees, and wire transfer fees.
3. Merchant Card Services: Fees charged to business merchants for processing card transactions through the BancCard partnership. Revenue is generated through transaction processing fees and potentially per-transaction commissions.
4. Treasury Management Services: Fees for business banking services including ACH origination, wire transfers, Positive Pay, Remote Deposit, Lockbox, and Sweep services. Revenue generated through per-transaction fees, monthly service fees, and sweep account earnings.
5. Wealth Management: Revenue from wealth management and investment services offered to personal customers, including portfolio management, financial planning, and related advisory services.
6. Insurance Services: Revenue from insurance products and services offered through the bank's insurance arm, including coverage products complementary to banking services.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels9 records

Core offering

Wilson Bank & Trust is a community bank headquartered in Lebanon, Tennessee, operating 32 full-service branch locations across ten Tennessee counties. The bank offers a comprehensive suite of personal and business banking products including deposit accounts (checking, savings, CDs, IRAs, HSAs), consumer and commercial loans (home, home equity, vehicle, personal, business, construction, land, bridge), credit cards, treasury management services (ACH, wire, Positive Pay, lockbox, sweep), wealth management, insurance, merchant card services, and digital banking channels (online, mobile, Zelle).

Product overview

Wilson Bank & Trust is a community bank offering a comprehensive suite of personal and business banking products through 32 full-service locations across ten Tennessee counties. The bank's core digital banking platform consists of Online Banking and Mobile Banking, supplemented by specialized business services including Business Connect (online treasury management), Automated Clearing House (ACH), Positive Pay (fraud detection), Wholesale Lockbox, and Remote/Mobile Deposit services. The bank issues Mastercard credit cards (Personal Premium Rewards, Personal Premium Rate, and Business Rewards cards) through First Data/Fiserv processing. Deposit products include checking, savings, CDs, IRAs, HSAs, Youth Saver, and Club accounts. Lending offerings span home loans, home equity products, construction/land/bridge loans, personal loans, vehicle loans, and business loans. Third-party partnerships extend capabilities: Zelle for P2P payments, Greenlight for youth banking, Banzai for financial education, PAYCHEX for payroll services, BancCard for merchant processing, and Jack Henry for treasury management. The bank also operates a School Bank program for financial literacy and offers Travel Club membership benefits.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking account options including interest-bearing and traditional checking with debit cards, online access, and overdraft protection for individual consumers and families.
• Personal Savings Accounts Personal savings accounts earning competitive interest on deposits, available with various balance tiers and access options for individual customers.
• Certificates of Deposit (CDs) Fixed-term savings certificates with guaranteed rates, available in various terms from short to multi-year durations for personal savers.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including Traditional and Roth IRA options with competitive rates and flexible contribution options.
• Health Savings Accounts (HSAs) Tax-advantaged accounts for qualified medical expenses, paired with high-deductible health plans, offering triple tax advantages.
• Business Checking Business checking account with $100 minimum deposit to open, 500 free transactions monthly ($0.35 per item after), and $20 monthly service fee waived with $5,000 average balance.
• Business Money Market Interest-earning business savings account with tiered rates based on balance, providing higher yields for larger deposits.
• Business CDs Certificates of Deposit for businesses with fixed terms and guaranteed rates, providing secure short to medium-term investment options.
• Home Loans Residential mortgage financing for home purchases and refinances, with various term options and competitive rates.
• Home Equity Loans Fixed-rate loans using home equity as collateral for lump-sum borrowing with predictable monthly payments.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, allowing flexible borrowing up to a set limit with interest-only payments on amounts used.
• Land Loans Financing for undeveloped and developed land purchases, with flexible terms based on land use and borrower qualifications.
• Construction Loans Short-term financing for residential construction, typically disbursed in draws as construction progresses with conversion to permanent mortgage upon completion.
• Bridge Loans Short-term financing bridging the gap between purchase of new property and sale of existing property, with flexible terms.
• Personal Loans Unsecured and secured personal loans backed by deposits or securities, for various needs including debt consolidation, with competitive rates and customized repayment terms.
• Vehicle Loans Financing for automobiles, trucks, SUVs, motorcycles, RVs, ATVs, boats, and personal watercraft with new and used vehicle options and competitive rates.
• Business Loans Customizable commercial lending for real estate, equipment, machinery, inventory, facility improvements, and working capital with competitive rates and flexible repayment terms.
• WBT Premium Rewards Credit Card Mastercard credit card earning one point per dollar on qualifying purchases, with points redeemable for cash back, travel, gift cards, and merchandise. No annual fee.
• WBT Premium Rate Credit Card Mastercard credit card with fixed rate pricing, providing consistent rate terms for cardholders.
• WBT Business Rewards Credit Card Business Mastercard with fixed 17.99% APR, earning points for travel, merchandise, gift cards through uChoose Rewards, and Mastercard Easy Savings Program benefits.
• Business Connect (Business Online Banking) Comprehensive online banking platform for businesses offering 24/7 account control, fund transfers, bill payment, ACH payments, wire transfers, and federal tax payments.
• Wealth Management Professional investment and financial planning services offered through the bank to help customers build and protect wealth.
• Insurance Services Various insurance products and referrals available through bank partnerships to meet comprehensive financial protection needs.
• Merchant Card Services Payment processing services via BancCard partner, enabling businesses to accept credit cards, debit cards, gift cards, and electronic checks at point of sale.
• PAYCHEX Payroll Services Automated online payroll service integrated with business banking, enabling streamlined payroll processing and tax management for business customers.

Quantifiable outcome

• 32 full-service locations across 10 Tennessee counties serving communities including Wilson, Davidson, Rutherford, Trousdale, Sumner, DeKalb, Smith, Hamilton, Williamson, and Putnam counties
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• BancCardcoreChannel Partner/ Reseller/ DistributorWilson Bank & Trust partners with BancCard ('The Transaction Company') to offer Merchant Card Services to business merchants. BancCard provides local customer sales and support for electronic payment processing, serving businesses throughout Tennessee and nationwide. The partnership enables the bank to offer cost-effective merchant processing programs including gift cards, electronic check acceptance, and user-friendly equipment with no hidden fees.
• BanzaicoreStrategic or Co-development PartnerWilson Bank & Trust partners with Banzai to execute its financial literacy priority initiative, providing interactive financial education courses including Banzai Junior (ages 8-12), Banzai Teen (ages 13-18), Banzai Plus (ages 16+), College & Careers, and Retirement planning calculators. The content is hosted at wilsonbank.banzai.org and wilsonbankemployees.banzai.org, available to both bank customers and the general public.
• GreenlightminorGTM or Marketing PartnerWilson Bank & Trust offers the Greenlight debit card and money app for kids and teens as a free benefit for WBT customers. Greenlight provides parental controls, chore management, and financial education tools for children, with the partnership driving youth account adoption and family banking relationships.
• Mastercard (including Easy Savings Program)coreTechnology or IntegrationWilson Bank & Trust issues both personal and business credit cards under the Mastercard brand. The partnership includes the Mastercard Easy Savings Program offering rebates at gas stations (19,000+ locations), dining (20,000+ venues), hotels (5,000+ properties), and car rentals. The Mastercard ID Theft Protection is also offered to cardholders.
• PAYCHEXminorChannel Partner/ Reseller/ DistributorWilson Bank & Trust partners with PAYCHEX to offer automated online payroll services to business customers. This partnership allows the bank to provide a comprehensive business services offering, linking payroll management with the bank's business checking and treasury management products.
• Jack Henry (Treasury Management Platform)coreTechnology or IntegrationWilson Bank & Trust uses the Jack Henry treasury management platform for business online banking services. The treasury.jackhenry.com/wilsonbank/login portal provides ACH origination, wire transfers, and treasury management functionality for business customers.
• Fiserv / First DatacoreTechnology or IntegrationFiserv and First Data power the bank's credit card processing and management platforms. Personal credit card management is at onlinebanking.firstdata.com and business credit card management is through Spendtrack (Fiserv). These platforms enable card activation, payment processing, rewards management, and card controls.
• Joint Marketing Partners (Credit Card Companies, Insurance Companies, Financial Companies)minorGTM or Marketing PartnerPer the Privacy Policy, Wilson Bank & Trust engages in joint marketing with credit card companies, insurance companies, and financial companies. These are formal agreements between non-affiliated financial companies that together market financial products or services to customers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Regions Bank: Regions is a large Southeast regional bank with a deep Tennessee retail and commercial branch network. It serves the same SMB and consumer customers as Wilson Bank but operates across multiple states with a much broader product portfolio and balance sheet.

Direct peers

• SmartBank: SmartBank is a Tennessee-based community bank offering personal, business, and mortgage banking with a footprint that overlaps Wilson Bank's Middle Tennessee territory. Comparable in scale and product mix, with a similar community-banking positioning.
• Atlantic Capital Bank: Atlantic Capital (now part of Old National after the 2022 merger) operated as a Tennessee-based commercial bank focused on middle-market businesses and treasury services. Comparable in mid-market commercial banking orientation, though the combined entity is now broader.
• FirstBank: FirstBank is a Tennessee-headquartered community bank operating across the state with consumer and commercial banking. Similar branch-based distribution model and Middle Tennessee presence make it a close geographic and product peer.
• Bank of Tennessee: Bank of Tennessee is a Kingsport-based community bank serving Northeast Tennessee with consumer, business, and mortgage lending. Comparable as a Tennessee-headquartered community bank; geographically adjacent though not directly overlapping with Wilson Bank's Middle Tennessee core.
• Citizens National Bank (Tennessee): Citizens National Bank operates as a Tennessee community bank with branches in Middle and East Tennessee offering consumer and business banking. Direct peer in geographic footprint and community banking focus.
• Pinnacle Financial Partners: Pinnacle is a Nashville-headquartered commercial bank serving Middle Tennessee with a similar relationship-banking model, including business banking, treasury management, wealth management, and consumer lending. It is the most directly comparable Tennessee peer, operating in the same geography with the same target customer segments.
• First Horizon Bank: First Horizon is a Tennessee-headquartered regional bank providing commercial, consumer, and wealth management services across the Southeast. It is a direct Tennessee peer with overlapping Middle Tennessee footprint and similar community-banking heritage, though materially larger in scale.

Regional players

• United Community Bank: United Community is a Georgia-headquartered Southeast regional bank that has expanded into Tennessee through mergers, offering community-style banking to consumers and businesses. Comparable operating model and regional bank focus, though larger and Southeast-wide in scope.
• ServisFirst Bank: ServisFirst is a Birmingham-based Southeast regional commercial bank with Tennessee operations focused on business banking, treasury management, and commercial lending. Comparable commercial banking focus with a Southeast footprint overlapping Wilson Bank's Nashville metro.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/wilson_bank
• YouTubeyoutube.com/channel/UCApL50qtVPKVaa45Z2woBYA
• Facebookfacebook.com/wilsonbankandtrust
• LinkedInlinkedin.com/company/wilson-bank-&-trust
• Instagraminstagram.com/wilson_bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wilson Bank & Trust