BlastPoint's Banking Scorecard

Bank of Wiggins

$100M-$1B Specialty: Other MS FDIC cert 8250

Wiggins, MS

3 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

Bank of Wiggins faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Net Interest Margin 1.16% below tier average
- ROA 0.67% below tier average
- Efficiency Ratio 11.04% above tier average
- Delinquency Rate 1.04% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$233.6M +9.9% YoY +1.6% QoQ	-$152.5M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$90.0M -2.3% YoY +3.3% QoQ	-$165.7M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$210.3M +10.5% YoY +1.8% QoQ	-$117.6M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	0.60% -9.2% YoY +751.0% QoQ	-0.67%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	2.77% -0.9% YoY -4.4% QoQ	-1.16%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Bottom 6.5% in tier
Efficiency Ratio ?	76.32% +0.8% YoY -25.0% QoQ	+11.04%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	20%
Delinquency Rate ?	1.93% +465.2% YoY +0.3% QoQ	+1.04%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	Bottom 13.4% in tier
Loan-to-Deposit Ratio ?	42.79% -11.6% YoY +1.4% QoQ	-33.85%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	Top 5.3% in tier
Non-Interest-Bearing Deposit Share ?	28.25% -0.3% YoY +4.5% QoQ	+6.23%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.76% +373.2% YoY +2.8% QoQ	+0.12%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	27%
Tier 1 Capital Ratio ?	12.73% -16.6% YoY -2.0% QoQ	-3.10%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.16% -19.9% YoY -76.0% QoQ	-0.12%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

142

Loan-to-Deposit Ratio

liquidity

Value: 42.79%

Peer Median: 76.64%

#142 of 2664 Top 5.3% in $100M-$1B

610

Non-Interest-Bearing Deposit Share

funding

Value: 28.25%

Peer Median: 22.02%

#610 of 2664 Top 22.9% in $100M-$1B

638

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#638 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (5 metrics)

2493

Net Interest Margin

profitability

Value: 2.77%

Peer Median: 3.93%

#2493 of 2664 Bottom 6.5% in $100M-$1B

2300

Delinquency Rate

credit_quality

Value: 1.93%

Peer Median: 0.89%

#2300 of 2654 Bottom 13.4% in $100M-$1B

2246

Total Loans

size

Value: $90.01M

Peer Median: $255.72M

#2246 of 2664 Bottom 15.7% in $100M-$1B

2235

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.27%

#2235 of 2664 Bottom 16.1% in $100M-$1B

2126

Efficiency Ratio

profitability

Value: 76.32%

Peer Median: 65.29%

#2126 of 2664 Bottom 20.2% in $100M-$1B