FDIC Cert #8250 · Wiggins, Mississippi · Est. 1916

Bank of Wiggins - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$230M
Total assets
C
Health grade · Fair
-0.09%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Wiggins earns a PlainBankData health grade of C (51/100), with well-capitalized at 12.99% Tier 1, -0.09% ROA, 102% efficiency ratio.

#2,849
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
12.99%
Tier 1 ratio - above the 10% well-capitalized line
5th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 8250 · MS C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4118/4307
  • PHOTO-FINISH Arvest Bank · AR
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-LOSS -0.09% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Mississippi: Arvest Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Wiggins

Lowest and highest poles plus nearest scored peers outside Mississippi, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Arvest Bank · AR · near51/100Bank of Wiggins · MS · this …51/100Home Banking Company · TN · …51/100Kerndt Brothers Savi… · IA ·…51/100Local Bank · AL · near51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Wiggins · July 2026

What Bank of Wiggins's Call Report plate shows

Bank of Wiggins (FDIC Cert #8250) carries a PlainBankData health grade of C at 51/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,118 of 4,307. Tier 1 capital prints at 12.99%, clearing the 10% well-capitalized line. The Texas Ratio is 7.20%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.09%. Balance-sheet scale is $230M, 2,849th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Arvest Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Wiggins

3 FAILURE resolutions in Mississippi since 2000 (2 since 2008)

Bank of Wiggins's home state sits in the middle band of post-2000 FAILURE counts (3; 2 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Wiggins remains an active FDIC-insured reporter.

  • HERITAGE BANKING GROUP CARTHAGE, MS 2011 → TRUSTMARK NATIONAL BANK
  • FIRST NATIONAL BANK ROSEDALE, MS 2010 → THE JEFFERSON BANK
  • BANK OF FALKNER FALKNER, MS 2000 → CITIZENS BANK & SAVINGS COM

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Mississippi banks.

How Bank of Wiggins's 51/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10051/100
Bank of Wiggins's composite health score
Tier 1 Capital Ratio (12.99%) 35/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (7.20%) 16/20
Efficiency Ratio (101.71%) 0/15

51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$230M

Total balance-sheet footings

Total Deposits

$207M

Customer-funded liabilities

Net Loans

$87M

Outstanding loan book

Net Income

$-199K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.59% 12.99% 14.39%
Basel III capital ratios - Bank of Wiggins

Where Bank of Wiggins ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Wiggins's score of 51/100 falls in the highlighted band.

Bank of Wiggins: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Wiggins 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Wiggins's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Wiggins's $230M falls in the highlighted band.

Safety ratios for Bank of Wiggins

Tier 1 capital ratio
Well-capitalized 10%

12.99% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.99%
Texas Ratio
7.20%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: Bank of Wiggins

Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-0.93%
Efficiency Ratio
101.71%

What these mean →

Income & expense: loss period at Bank of Wiggins

$9M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Wiggins reports a Texas Ratio of 7.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Bank of Wiggins

Bank of Wiggins's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-199K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Bank of Wiggins up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Bank of Wiggins on FDIC BankFind →

Top banks in Mississippi by total assets

Largest banks headquartered in Mississippi
  1. 1
    Hancock Whitney Bank $35.5B

    Gulfport, MS · Grade A

  2. 2
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  3. 3
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

  4. 4
    BankPlus $8.1B

    Belzoni, MS · Grade B

  5. 5
    Community Bank of Mississippi $5.0B

    Flowood, MS · Grade B

Top 5 banks in Mississippi ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($230M here), outside Mississippi so the neighborhood is not state containment.

Security Bank $230M · TN Commerce Bank $230M · MN Bank of Columbia $230M · KY Andover State Bank $230M · KS

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Wiggins (FDIC Cert #8250) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Wiggins Call Report profile · FDIC Failed Bank List · Mississippi FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Mississippi

All Mississippi banks →
BankAssetsGradeROA
Hancock Whitney BankGulfport $35.5B A 1.41%
Renasant BankTupelo $26.7B B 0.89%
Trustmark BankJackson $18.9B B 1.26%
BankPlusBelzoni $8.1B B 1.14%
Community Bank of MississippiFlowood $5.0B B 0.89%
BankFirst Financial ServicesColumbus $3.3B B 1.04%
Guaranty Bank and Trust CompanyBelzoni $2.9B B 1.10%
Planters Bank & Trust CompanyIndianola $2.1B A 0.84%