BANK OF WIGGINS

WIGGINS, MS | Small | Est. Dec. 4, 1916, midnight | FDIC #8250 | RSSD #179335 | FDIC
Latest Report: 2025-12-31

BANK OF WIGGINS is asn small FDIC-insured commercial bank headquartered in WIGGINS, MS, established in Dec. 4, 1916, midnight. As of 2025-12-31, the bank reported total assets of $230M and total deposits of $207M. Profitability stands at -2.29% ROA and -23.04% ROE, with a net interest margin of 2.85%. The bank's CET1 capital ratio is 9.53%. Asset quality metrics show a non-performing loan ratio of 1.75% and a Texas Ratio of 6.78%. FDIC Certificate #8250.

Assets

$230M

Deposits

$207M

Loans

$88M

Equity

$22M

Profitability

Return on Assets (ROA) -2.29%
Return on Equity (ROE) -23.04%
Net Interest Margin (NIM) 2.85%
Yield on Assets 4.64%
Cost of Funds 1.84%

Asset Quality

NPL Ratio 1.75%
Net Charge-Off Ratio 0.00%
Texas Ratio 6.78%
NPA Ratio 0.69%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 9.53%
Tier 1 Capital 9.53%
Total Capital Ratio 10.00%
Leverage Ratio 12.99%
Loan-to-Deposit 42.84%

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