Bank Comparison
Bank of Wiggins vs Tri-county Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 14
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.73% | 9.87% |
| Equity / Assets | 9.36% | 7.46% |
Profitability
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.60% | 0.91% |
| Return on Equity (ROE) | 6.34% | 12.09% |
| Net Interest Margin (NIM) | 2.69% | 4.49% |
| Yield on Earning Assets | 4.36% | 6.30% |
| Cost of Funds | 1.82% | 1.66% |
Asset quality
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| Texas Ratio | 8.09% | 0.14% |
| Non-Performing Loan Ratio | 1.79% | 0.02% |
| Non-Performing Asset Ratio | 0.72% | 0.01% |
| Net Charge-Off Ratio | 0.04% | -0.02% |
| ACL / Loans | 1.48% | 1.28% |
Balance sheet
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| Total Assets | $233,558K | $233,541K |
| Total Deposits | $210,339K | $212,048K |
| Total Loans | $91,360K | $146,744K |
| Total Equity | $21,868K | $17,417K |
| Net Income (quarter) | $347 | $523 |
Liquidity & funding
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 43.43% | 69.20% |
| Core Deposit Ratio | 83.26% | 98.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Wiggins | Tri-county Bank, the |
|---|---|---|
| Headquarters City | WIGGINS | STUART |
| Headquarters State | MS | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 6 |
| Employees (FTE) | 46 | 36 |
| Established | Dec. 4, 1916, midnight | Nov. 17, 1945, 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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