BlastPoint's Banking Scorecard
Bank of Wiggins
Micro
Specialty: Other
MS
FDIC cert 8250
Designations: ✓ Community bank
Wiggins, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Bank of Wiggins has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.34% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.18% below tier
- - Efficiency Ratio 33.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.9M
+15.8% YoY
+1.8% QoQ
|
+$12.4M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$87.1M
-6.0% YoY
-5.0% QoQ
|
-$52.0M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$206.6M
+16.1% YoY
+2.9% QoQ
|
+$22.9M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
-0.09%
-117.8% YoY
-113.3% QoQ
|
-1.18% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.90%
+1.3% YoY
-0.4% QoQ
|
-0.95% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
101.71%
+23.6% YoY
+30.5% QoQ
|
+33.99% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.92%
+212.6% YoY
-1.7% QoQ
|
+1.28% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
42.19%
-19.1% YoY
-7.7% QoQ
|
-32.34% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.02%
-1.6% YoY
+0.7% QoQ
|
+4.63% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.74%
+157.8% YoY
-8.2% QoQ
|
+0.29% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.66%
-15.6% YoY
+28.3% QoQ
|
+0.09% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
42.19%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.09%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
101.71%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 42.19% · Tier avg: 74.53%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.02% · Tier avg: 22.39%
61
61th pctile
Total Deposits
Current: $206.6M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $229.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.64%
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 101.71% · Tier avg: 67.73%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 101.71% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.09% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
13
13th pctile
Delinquency Rate
Current: 1.92% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.45%
38
38th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Assets
Current: $229.9M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $206.6M · Tier avg: $183.7M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 27.02% · Tier avg: 22.39%
80
80th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
93
93th pctile
Loan-to-Deposit Ratio
Current: 42.19% · Tier avg: 74.53%