Bank Comparison
Fusion Bank vs Bank of Wiggins
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
17 · 2
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.30% | 12.73% |
| Equity / Assets | 14.04% | 9.36% |
Profitability
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| Return on Assets (ROA) | 1.79% | 0.60% |
| Return on Equity (ROE) | 13.10% | 6.34% |
| Net Interest Margin (NIM) | 3.93% | 2.69% |
| Yield on Earning Assets | 5.39% | 4.36% |
| Cost of Funds | 1.65% | 1.82% |
Asset quality
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| Texas Ratio | 0.00% | 8.09% |
| Non-Performing Loan Ratio | 0.00% | 1.79% |
| Non-Performing Asset Ratio | 0.00% | 0.72% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.58% | 1.48% |
Balance sheet
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| Total Assets | $233,583K | $233,558K |
| Total Deposits | $174,253K | $210,339K |
| Total Loans | $128,988K | $91,360K |
| Total Equity | $32,801K | $21,868K |
| Net Income (quarter) | $1,069K | $347 |
Liquidity & funding
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| Loan-to-Deposit Ratio | 74.02% | 43.43% |
| Core Deposit Ratio | 97.01% | 83.26% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Fusion Bank | Bank of Wiggins |
|---|---|---|
| Headquarters City | LARNED | WIGGINS |
| Headquarters State | KS | MS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 21 | 46 |
| Established | Jan. 1, 1896, midnight | Dec. 4, 1916, 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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