8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 8, 2019

WILSON BANK HOLDING COMPANY

(Exact name of registrant as specified in its charter)

Tennessee		000-20402	62-1497076
(State or other jurisdiction of		(Commission	(IRS Employer
incorporation)		File Number)	Identification No.)
623 West Main Street
Lebanon, Tennessee			37087
(Address of principal executive offices)			(Zip Code)
		(615) 444-2265
	(Registrant’s telephone number, including area code)
		Not Applicable
	(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act: None.

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.                     o

Item 2.02 Results of Operations and Financial Condition.

On July 8, 2019, Wilson Bank Holding Company (the “Company”) mailed a letter to its shareholders describing, among other things, the Company’s earnings for the first six months of 2019. The letter is furnished herewith as Exhibit 99.1.

Item 7.01 Regulation FD Disclosure.

The information set out in Item 2.02 is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

99.1Letter to shareholders mailed July 8, 2019.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

WILSON BANK HOLDING COMPANY

By:__/s/ J. Randall Clemons_____________

J. Randall Clemons

President and Chief Executive Officer

Date: July 8, 2019

EXHIBIT INDEX

Exhibit No.Description

99.1Letter to shareholders mailed July 8, 2019.

EX-99.1

July 8, 2019

Dear Shareholder:

The Board of Directors of Wilson Bank Holding Company would like to share the results of our first six months of 2019 with you. The assets of your company as of June 30, 2019 totaled $2.707 billion representing an increase of $163.0 million since December 31, 2018 and an increase of $287.0 million since June 30, 2018. Our net income for the first six months of 2019 was a record $17.8 million up $3.0 million from the first six months of 2018.

We are experiencing a great year of opportunities so far in 2019 of which we are trying to take advantage. We received the “Bauer Financial 5 Star” rating for the quarter ended March 31, 2019. The FMC Group rated our bank as the 5^th highest overall bank headquartered in the State of Tennessee for the first quarter of 2019. This rating is scored by profitability, capital adequacy, asset quality, efficiency and return on assets.

We are currently in the process of remodeling the second floor of our Main Office which we expect will be completed in the 4^th quarter of this year. This floor will be the location of our Raymond James Investment Center, Commercial Lending, Wilson Bank Holding Company Stock offices, our executive offices, board room, and meeting rooms. We are excited about the enhancements of these areas and sharing them with our customers and community.

It is exciting to see the execution of the succession plans we made in the past to prepare our bank for future retirements. We believe the bank, with our depth of experience and commitment at all levels, is poised to continue to grow and thrive. Thanks for the encouragement and support you have given us as we worked through this process.

The Board of Directors has declared a $.55 per share cash dividend to shareholders of record as of July 1, 2019 that will be payable on July 18, 2019. The latest price at which the Company’s common stock has been sold of which we are aware was $52.25 per share.

As we continue to expand, it is important to increase our market share in both our mature and new markets. You have been a key in helping us do that over the years. We ask for your continued support and willingness to recommend our bank to potential customers in the nine counties we currently serve. We provide a comprehensive suite of financial services and we would be honored to serve individuals you could recommend to us. We strive daily to be “Middle Tennessee’s Community Bank” and make you proud of your investment, not only in the returns we have been able to generate, but also in the way we serve others.

Sincerely,

/s/ Randall Clemons	/s/ John C. McDearman, III	/s/ Jimmy Comer
President/CEO	Executive Vice President	Chairman
Wilson Bank Holding Co.	Wilson Bank Holding Co.	Wilson Bank Holding Co.