Bank of Wiggins is a state-chartered bank headquartered in Wiggins, Mississippi, in business for about 110 years. At the end of Q2 2026 it reported $228.1M in total assets and $204.5M in deposits, with 3 offices.
Bank of Wiggins has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 40th. Funding & liquidity contributes the most (91/100, 45% loans-to-deposits, 23% uninsured); earnings contributes the least (42/100, 0.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (79 → 65), mostly because the loan quality component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 80 |
| Q4 2024 | 83 |
| Q1 2025 | 86 |
| Q2 2025 | 79 |
| Q3 2025 | 69 |
| Q4 2025 | 59 |
| Q1 2026 | 63 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.81% |
| Q3 2024 | 15.56% |
| Q4 2024 | 15.22% |
| Q1 2025 | 15.27% |
| Q2 2025 | 14.39% |
| Q3 2025 | 14.21% |
| Q4 2025 | 12.99% |
| Q1 2026 | 12.73% |
| Q2 2026 | 12.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.81% |
| Q3 2025 | 1.93% |
| Q4 2025 | 1.89% |
| Q1 2026 | 1.90% |
| Q2 2026 | 1.75% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.69% |
| Q4 2025 | -0.09% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $228.1M | 12.93% | 1.75% | 0.56% | 44.7% |
| Q1 2026 | 63 | $233.6M | 12.73% | 1.90% | 0.60% | 42.8% |
| Q4 2025 | 59 | $229.9M | 12.99% | 1.89% | -0.09% | 42.2% |
| Q3 2025 | 69 | $225.8M | 14.21% | 1.93% | 0.69% | 45.7% |
| Q2 2025 | 79 | $214.6M | 14.39% | 0.81% | 0.60% | 48.0% |
| Q1 2025 | 86 | $212.6M | 15.27% | 0.34% | 0.66% | 48.4% |
| Q4 2024 | 83 | $198.5M | 15.22% | 0.61% | 0.52% | 52.1% |
| Q3 2024 | 80 | $203.2M | 15.56% | 0.89% | 0.52% | 52.1% |
| Q2 2024 | 84 | $197.3M | 15.81% | 0.40% | 0.46% | 51.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| Bank of BrookhavenBank Brookhaven, MS | 78 out of 100, Strong | $262.2M | 11.6% | 0.02% | vs |
| Bank of AnguillaBank Anguilla, MS | 65 out of 100, Moderate | $192.2M | 14.7% | 2.66% | vs |
| Grand Bank for Savings, FSBBank Hattiesburg, MS | 64 out of 100, Moderate | $280.4M | 11.0% | 0.78% | vs |
| Unity Bank of MississippiBank Holly Springs, MS | 61 out of 100, Moderate | $281.8M | 11.0% | 0.80% | vs |
Deposit insurance
Is my money safe at Bank of Wiggins?
Yes. Bank of Wiggins is an FDIC-insured institution (FDIC certificate #8250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.3% of deposits ($47.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Bank of Wiggins lists 2 offices in 1 city. Most locations:
- Wiggins, MS (2)
Identity & history
Profile
- Legal name
- Bank of Wiggins
- Type
- State-chartered bank
- FDIC certificate #
- 8250
- RSSD ID
- 179335
- Primary regulator
- FDIC
- Established
- December 4, 1916
- Headquarters
- 109 Pine Ave W, Wiggins, MS 39577
- Website
- www.bankofwiggins.com
- Employees
- 43
Quick answers
Bank of Wiggins: common questions
Is Bank of Wiggins FDIC insured?
Yes. Bank of Wiggins is an FDIC-insured institution (FDIC certificate #8250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Wiggins's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Wiggins ever failed?
There is no failure record for FDIC certificate #8250 in the FDIC failed bank list.
How many branches does Bank of Wiggins have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wiggins
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| The Peoples Bank, Biloxi, MississippiBank Biloxi, MS | 82 out of 100, Strong | $770.7M | 15.2% | 0.18% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| PriorityOne BankBank Magee, MS | 70 out of 100, Strong | $1.2B | 11.9% | 1.58% | vs |
| Renasant BankBank Tupelo, MS | 64 out of 100, Moderate | $27.0B | 10.7% | 0.96% | vs |
| Hancock Whitney BankBank Gulfport, MS | 64 out of 100, Moderate | $36.3B | 10.6% | 0.57% | vs |