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Bank of Wiggins

Wiggins, MS · Cert 8250

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

38

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

21

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Wiggins

Wiggins, MS · Cert 8250

State charter, non-member · FDIC · 3 branches

Q2 2026

$228.1MAssets
$92.8MLoans
$204.5MDeposits
$21.9MEquity
Loan mix
75%RE $67.6M16%C&I $14.2M9%Consumer $8.4MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $147.5M28%Noninterest $57.0MQ2 2025Q2 2026

NIM

4.07%Q2 ’244.15%Q2 ’254.28%Q2 ’26+0%+4%

Non-interest income vs. expense

2.80%Q2 ’242.57%Q2 ’252.63%Q2 ’26-9%+8%

Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 2.4% share · #10 of 16 inst. · $0.2B of $8.5B

Executive Summary

  • Earnings: ROA of 0.56%, down 4 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 1.75% of loans (+93 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 12.93%, down 146 bps from a year ago.
  • Funding: loans stand at 45.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.67%+9 bps YoY

Efficiency Ratio (YTD, annualized)

79.48%+170 bps YoY

Tier 1 Leverage Ratio

12.93%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.69%-0.09%0.60%0.56%-4 bps
Return on Equity6.07%6.94%-0.93%6.34%5.86%-21 bps
Net Interest Margin2.57%2.56%2.54%2.54%2.67%+9 bps
Efficiency Ratio77.78%77.92%101.71%76.32%79.48%+170 bps
Non-Interest Burden1.84%1.84%2.60%1.79%1.99%+15 bps
Growth
Asset Growth (YoY)8.75%11.15%15.83%9.85%6.28%-247 bps
Loan Growth (YoY)0.19%-1.70%-5.92%-2.26%-0.29%-48 bps
Deposit Growth (YoY)8.33%11.95%16.14%10.48%6.92%-141 bps
Asset Quality
Nonperforming Loans / Loans0.81%1.93%1.89%1.90%1.75%+93 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.04%-0.05%-6 bps
Allowance / Loans1.44%1.45%1.53%1.48%1.46%+2 bps
Allowance Coverage of NPLs1.8x0.8x0.8x0.8x0.8x-0.9x
Capital
Tier 1 Leverage Ratio14.39%14.21%12.99%12.73%12.93%-146 bps
Total Risk-Based Capital14.39%14.21%12.99%12.73%12.93%-146 bps
Equity / Assets10.13%10.37%9.53%9.36%9.61%-51 bps
Liquidity & Funding
Loans / Deposits48.68%46.40%42.84%43.43%45.40%-328 bps
Liquid Assets / Assets10.49%14.33%17.41%17.13%14.33%+384 bps
CRE / Total Capitaln/a112.09%114.46%120.12%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Wiggins

Wiggins, MS · Cert 8250 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 3 branches

Q2 2026

$228.1MAssets
$92.8MLoans
$204.5MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 42% of banks under $1B in assets (rank 362 of 629).
  • Widest gap: net interest margin trails 87% of banks under $1B in assets (rank 547 of 629).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.56%

Rank 485 of 629

Net Interest Margin

2.67%

Rank 547 of 629

Efficiency Ratio

79.48%

Rank 475 of 629

Equity / Assets

9.61%

Rank 412 of 629

Non-interest income vs. expense

$1.5M$6.1MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 25% of banks under $1B in assets
Bank 79.48%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.60%1.01%1.45%Beats 23%485 / 629
Return on Equity5.86%5.38%9.30%13.28%Beats 27%458 / 629
Net Interest Margin2.67%3.03%3.54%4.05%Beats 13%547 / 629
Efficiency Ratio79.48%58.35%67.79%79.08%Beats 25%475 / 629
Asset Quality
Nonperforming Loans / Loans1.75%0.09%0.46%1.20%Beats 15%493 / 581
Net Charge-Offs / Loans0.03%n/a0.01%0.06%Beats 36%371 / 581
Capital
Tier 1 Capital Ratio12.93%11.24%13.84%18.77%Beats 42%362 / 629
Total Risk-Based Capital Ratio12.93%11.58%14.43%19.66%Beats 38%391 / 629
Equity / Assets9.61%9.09%10.65%13.80%Beats 34%412 / 629
Liquidity & Funding
Loans / Deposits45.40%67.24%80.90%93.48%8th pctl546 / 594
Loans / Assets40.71%53.31%67.71%78.15%15th pctl534 / 629
Brokered Deposits / Depositsn/aNot reported for this institution