BlastPoint's Banking Scorecard
Bank of Wiggins
Wiggins, MS
3 branches across MS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
- Deposits +6.9% year over year ($204.5M on the books).
- Delinquency rate 1.77%.
- Return on assets 0.56%.
- Efficiency ratio 79.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.73% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Wiggins faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier average
- - ROA 0.77% below tier average
- - Efficiency Ratio 15.00% above tier average
- - Delinquency Rate 0.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$228.1M
+6.3% YoY
-2.3% QoQ
|
-$158.5M |
$386.6M
+1.2% YoY
|
$2.3B
+4.7% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$91.5M
-0.3% YoY
+1.6% QoQ
|
-$166.9M |
$258.3M
+1.7% YoY
|
$1.6B
+6.5% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$204.5M
+6.9% YoY
-2.8% QoQ
|
-$122.2M |
$326.7M
+0.7% YoY
|
$1.9B
+4.9% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
0.56%
-6.8% YoY
-7.0% QoQ
|
-0.77% |
1.32%
+10.8% YoY
|
1.27%
+12.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.0% in tier |
| Net Interest Margin ? |
2.88%
-1.0% YoY
+4.0% QoQ
|
-1.10% |
3.99%
+5.0% YoY
|
4.02%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio ? |
79.48%
+2.2% YoY
+4.1% QoQ
|
+15.00% |
64.48%
-3.2% YoY
|
65.83%
-2.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.2% in tier |
| Delinquency Rate ? |
1.77%
+114.8% YoY
-8.0% QoQ
|
+0.85% |
0.92%
+15.7% YoY
|
1.03%
+6.0% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
44.73%
-6.8% YoY
+4.5% QoQ
|
-33.22% |
77.95%
+1.0% YoY
|
72.48%
+3.6% YoY
|
79.03%
+2.3% YoY
|
Top 5.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.88%
-0.9% YoY
-1.3% QoQ
|
+5.85% |
22.03%
-0.6% YoY
|
22.74%
-2.6% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.72%
+96.2% YoY
-5.7% QoQ
|
+0.05% |
0.67%
+16.4% YoY
|
0.80%
+11.3% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
12.93%
-10.2% YoY
+1.6% QoQ
|
-2.98% |
15.91%
+1.4% YoY
|
13.77%
-2.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.33%
-10.7% YoY
+106.8% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.38%
+2.4% YoY
|
0.66%
+5.2% YoY
|
76% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.9%
-0.3pp YoY -0.4pp QoQ |
+5.7pp | 22.1% | 23.1% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.4%
-1.4pp YoY -0.3pp QoQ |
+3.9pp | 11.6% | 12.4% | 12.5% | 78% |
| CRE |
38.1%
-0.9pp YoY -1.5pp QoQ |
-1.5pp | 39.5% | 42.3% | 41.4% | 49% |
| 1-4 Family |
32.4%
+0.2pp YoY +0.4pp QoQ |
-0.2pp | 32.6% | 33.1% | 31.3% | 56% |
| Consumer |
9.7%
+0.7pp YoY +0.3pp QoQ |
+5.5pp | 4.1% | 5.6% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
12.9%
-1.5pp YoY +0.2pp QoQ |
+0.8pp | 12.2% | 11.9% | 12.6% | 74% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
-1 (-2.3%) YoY -3 (-6.5%) QoQ |
-16 | 58 | 297 | 482 | 45% |
| Assets per Employee ($) |
$5.3M
+8.8% YoY +4.5% QoQ |
-$2.2M | $7.5M | $6.2M | $8.8M | 19% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 22 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.5pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 50% |
| Nonaccrual |
1.7%
+1.5pp YoY 0.0pp QoQ |
+0.7pp | 0.9% | 0.9% | 1.0% | 84% |
| Allowance Coverage |
0.84x
-52.8% YoY +7.2% QoQ |
-23.32x | 24.15x | 4.87x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.9%
-0.2pp YoY -0.5pp QoQ |
-6.3pp | 12.2% | 11.7% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 54% |
| Net Income ($, YTD) |
$642,000
+3.0% YoY — QoQ |
-$1.9M | $2.6M | $13.8M | $40.4M | 14% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.