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
Unfavorable gap of $4.6M · efficiency ratio beats 25% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.60% | 1.01% | 1.45% | Beats 23% | 485 / 629 | | |
| Return on Equity | 5.86% | 5.38% | 9.30% | 13.28% | Beats 27% | 458 / 629 | | |
| Net Interest Margin | 2.67% | 3.03% | 3.54% | 4.05% | Beats 13% | 547 / 629 | | |
| Efficiency Ratio | 79.48% | 58.35% | 67.79% | 79.08% | Beats 25% | 475 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.75% | 0.09% | 0.46% | 1.20% | Beats 15% | 493 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 371 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.93% | 11.24% | 13.84% | 18.77% | Beats 42% | 362 / 629 | | |
| Total Risk-Based Capital Ratio | 12.93% | 11.58% | 14.43% | 19.66% | Beats 38% | 391 / 629 | | |
| Equity / Assets | 9.61% | 9.09% | 10.65% | 13.80% | Beats 34% | 412 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 45.40% | 67.24% | 80.90% | 93.48% | 8th pctl | 546 / 594 | | |
| Loans / Assets | 40.71% | 53.31% | 67.71% | 78.15% | 15th pctl | 534 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |