Bank Comparison
Bank of Wiggins vs Loyal Trust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| CET1 Ratio | — | 15.96% |
| Tier 1 Capital Ratio | — | 15.96% |
| Total Capital Ratio | — | 17.12% |
| Tier 1 Leverage Ratio | 12.73% | 10.62% |
| Equity / Assets | 9.36% | 10.89% |
Profitability
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 0.56% |
| Return on Equity (ROE) | 6.34% | 5.23% |
| Net Interest Margin (NIM) | 2.69% | 2.70% |
| Yield on Earning Assets | 4.36% | 6.03% |
| Cost of Funds | 1.82% | 3.59% |
Asset quality
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| Texas Ratio | 8.09% | 7.14% |
| Non-Performing Loan Ratio | 1.79% | 0.31% |
| Non-Performing Asset Ratio | 0.72% | 0.77% |
| Net Charge-Off Ratio | 0.04% | 0.00% |
| ACL / Loans | 1.48% | 1.07% |
Balance sheet
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| Total Assets | $233,558K | $233,656K |
| Total Deposits | $210,339K | $174,035K |
| Total Loans | $91,360K | $161,389K |
| Total Equity | $21,868K | $25,442K |
| Net Income (quarter) | $347 | $331 |
Liquidity & funding
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 43.43% | 92.73% |
| Core Deposit Ratio | 83.26% | 80.06% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Wiggins | Loyal Trust Bank |
|---|---|---|
| Headquarters City | WIGGINS | JOHNS CREEK |
| Headquarters State | MS | GA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 46 | 29 |
| Established | Dec. 4, 1916, midnight | Nov. 18, 2019, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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