Wiggins, MS · Cert 8250
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Gulfport-Biloxi, MS · 2026 SOD (annual) · 2.4% share · #10 of 16 inst. · $0.2B of $8.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.52% | 0.66% | 0.60% | 0.69% | -0.09% | 0.60% | 0.56% | -4 bps | |
| Return on Equity | 5.15% | 5.21% | 6.80% | 6.07% | 6.94% | -0.93% | 6.34% | 5.86% | -21 bps | |
| Net Interest Margin | 2.54% | 2.54% | 2.58% | 2.57% | 2.56% | 2.54% | 2.54% | 2.67% | +9 bps | |
| Efficiency Ratio | 81.91% | 82.29% | 75.73% | 77.78% | 77.92% | 101.71% | 76.32% | 79.48% | +170 bps | |
| Non-Interest Burden | 1.94% | 1.95% | 1.76% | 1.84% | 1.84% | 2.60% | 1.79% | 1.99% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.16% | 4.05% | 10.58% | 8.75% | 11.15% | 15.83% | 9.85% | 6.28% | -247 bps | |
| Loan Growth (YoY) | 2.00% | 0.63% | -0.34% | 0.19% | -1.70% | -5.92% | -2.26% | -0.29% | -48 bps | |
| Deposit Growth (YoY) | 3.10% | 4.18% | 10.45% | 8.33% | 11.95% | 16.14% | 10.48% | 6.92% | -141 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.89% | 0.61% | 0.34% | 0.81% | 1.93% | 1.89% | 1.90% | 1.75% | +93 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | 0.04% | -0.05% | -6 bps | |
| Allowance / Loans | 1.39% | 1.40% | 1.44% | 1.44% | 1.45% | 1.53% | 1.48% | 1.46% | +2 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.3x | 4.3x | 1.8x | 0.8x | 0.8x | 0.8x | 0.8x | -0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.56% | 15.22% | 15.27% | 14.39% | 14.21% | 12.99% | 12.73% | 12.93% | -146 bps | |
| Total Risk-Based Capital | 15.56% | 15.22% | 15.27% | 14.39% | 14.21% | 12.99% | 12.73% | 12.93% | -146 bps | |
| Equity / Assets | 10.81% | 9.59% | 9.80% | 10.13% | 10.37% | 9.53% | 9.36% | 9.61% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.84% | 52.89% | 49.09% | 48.68% | 46.40% | 42.84% | 43.43% | 45.40% | -328 bps | |
| Liquid Assets / Assets | 4.48% | 4.47% | 9.78% | 10.49% | 14.33% | 17.41% | 17.13% | 14.33% | +384 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 112.09% | 114.46% | 120.12% | n/a | n/a | |