Bank of Wiggins: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.21 percentage points in Q2 2026 to 2.90%, the biggest move on this page. Bank of Wiggins has the 6th lowest net interest margin of the 57 banks headquartered in Mississippi, at 2.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Wiggins sits 1.05 points lower, at 2.90% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.51% |
| Yield on loans | 7.54% |
| Yield on securities | 1.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.90% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $904K |
| Interest expense on deposits | $904K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.00% | 1.44% | 2.71% | 6.29% | 1.78% |
| Q4 2023 | 4.05% | 1.57% | 2.64% | 6.37% | 1.78% |
| Q1 2024 | 4.13% | 1.57% | 2.70% | 6.53% | 1.78% |
| Q2 2024 | 4.22% | 1.76% | 2.63% | 6.69% | 1.79% |
| Q3 2024 | 4.38% | 1.84% | 2.71% | 6.92% | 1.78% |
| Q4 2024 | 4.42% | 1.89% | 2.70% | 7.07% | 1.78% |
| Q1 2025 | 4.34% | 1.80% | 2.69% | 6.96% | 1.78% |
| Q2 2025 | 4.49% | 1.82% | 2.83% | 7.26% | 1.80% |
| Q3 2025 | 4.51% | 1.88% | 2.81% | 7.33% | 1.86% |
| Q4 2025 | 4.20% | 1.87% | 2.50% | 7.44% | 1.20% |
| Q1 2026 | 4.36% | 1.81% | 2.69% | 7.40% | 1.90% |
| Q2 2026 | 4.51% | 1.74% | 2.90% | 7.54% | 1.93% |
Bank of Wiggins yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Wiggins, freeSource: Call Report Schedules RI and RC-K, 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)