Bank of Wiggins: how it compares with its peers
Against 23 MS banks with half to twice its assets, Bank of Wiggins's strongest measure in Q2 2026 is assets per employee ($5.3M vs. a $5.8M peer median). Its weakest relative measure is net interest margin (2.88% vs. 3.83%).
| Measure | Bank of Wiggins | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.56% | 1.09% | Bottom third Ahead of 13% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.88% | 3.83% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.48% | 65.42% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.8M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.73% | 64.49% | Context |
What it means for lending operations
Its efficiency ratio of 79.48% is above the 65.42% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Jefferson Bank Greenville, MS · $211M
- Merchants and Planters Bank Raymond, MS · $199M
- Bank of Brookhaven Brookhaven, MS · $262M
- Bank of Anguilla Anguilla, MS · $192M
- Grand Bank for Savings, FSB Hattiesburg, MS · $280M
- Unity Bank of Mississippi Holly Springs, MS · $282M
Questions about Bank of Wiggins
How big is Bank of Wiggins?
Bank of Wiggins, established in 1916, is headquartered in Wiggins, MS. It reported $228M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Bank of Wiggins's return on assets?
0.56% annualized in Q2 2026, against a 1.09% median for 23 MS banks with half to twice its assets, ahead of 13% of them.
What is Bank of Wiggins's efficiency ratio?
79.48% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 65.42%, and lower is better.
Is Bank of Wiggins growing its loans?
Net loans shrank 0.3% over the year to Q2 2026, while deposits grew 6.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.