Bank of Wiggins: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 1.96 percentage points in Q2 2026, from 43.43% to 45.40%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Bank of Wiggins is 5th from the bottom among 57 Mississippi banks, 0.51% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Wiggins reported 0.51% on return on assets in Q2 2026, 0.74 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.93% |
| Equity capital to assets | 9.61% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.76% |
| Non-performing assets ratio | 0.72% |
| Net charge-off ratio | -0.14% |
| Texas ratio | 7.46% |
| Allowance for credit losses to loans | 1.46% |
| Reserve coverage of non-performing loans | 83.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.51% |
| Return on equity | 5.39% |
| Net interest margin | 2.90% |
| Efficiency ratio | 80.83% |
| Yield on earning assets | 4.51% |
| Cost of funds | 1.74% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.40% |
| Core deposits to total deposits | 82.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.67% |
| Securities to assets | 37.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.23% | 0.54% | 2.71% | 0.52% | 0.04% |
| Q4 2023 | 16.12% | 0.35% | 2.64% | 0.24% | 0.01% |
| Q1 2024 | 15.99% | 0.64% | 2.70% | 0.20% | 0.03% |
| Q2 2024 | 15.81% | 0.28% | 2.63% | 0.24% | 0.01% |
| Q3 2024 | 15.56% | 0.63% | 2.71% | 0.20% | 0.03% |
| Q4 2024 | 15.22% | 0.51% | 2.70% | 0.20% | 0.01% |
| Q1 2025 | 15.27% | 0.67% | 2.69% | 0.34% | 0.01% |
| Q2 2025 | 14.39% | 0.53% | 2.83% | 0.25% | 0.02% |
| Q3 2025 | 14.21% | 0.87% | 2.81% | 1.96% | -0.03% |
| Q4 2025 | 12.99% | -2.31% | 2.50% | 2.03% | -0.00% |
| Q1 2026 | 12.73% | 0.60% | 2.69% | 1.79% | 0.04% |
| Q2 2026 | 12.93% | 0.51% | 2.90% | 1.76% | -0.14% |
Bank of Wiggins vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Wiggins, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Wiggins profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8250) · FFIEC NIC profile (RSSD 179335)