# BANK OF WIGGINS
WIGGINS, MS · FDIC certificate 8250 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $228.1M | |
| Deposits | $204.5M | |
| Loans and leases | $92.8M | |
| Total equity | $21.9M | |
| Loans / deposits | 44.73% (p15 of band) | 73.59% |
| Liquid assets / assets | 54.09% (p82 of band) | |
| Uninsured deposits / deposits | 23.26% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.93% (p62 of band) | 11.76% |
| Unrealized securities loss / equity | -47.39% (p7 of band) | -6.57% |
| AOCI / equity | -1.78% (p14 of band) | |
| ROA (annualized) | 0.56% (p20 of band) | 1.17% |
| Net interest margin | 2.88% (p10 of band) | 3.93% |
| Efficiency ratio | 79.48% (p78 of band) | |
| Noncurrent loans | 1.75% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 83.71% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 73.13% (p88 of band) | |
| Auto loans | $2.7M (2.94% of loans; DQ 3.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 | construction >100% equity | capital falling |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | capital falling, reserve under noncurrent |  |
| 2025-12 | 5 | losing money, expense ratio p90 |  |
| 2026-03 | 3 |  | losing money, expense ratio p90 |
| 2026-06 | 2 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [Rodgers appointed as new VP of Priority One Bank - Madison County Journal](https://news.google.com/rss/articles/CBMimwFBVV95cUxQY3psd3dVaTNBT2U4RnZ1ZEZjQ3A4ZUsyUmdRTURRSDc3MXBnQUdCVkphNW1IUnYySnJGSmlBdElwdGhDd0NWb3p1M0FaSkN2SGc5Y3o0NVZnUnZ1NEkxNk1Ed0Y1V2FrbjhIeWotMGc5SVlIdDZ0bXBYX0RMVVVrRUYzSkg3cTd0WTZNVkwtTk1WNTJLWkcwcnFXaw?oc=5) · Madison County Journal
- 2026-09-03 [Vivian Tims Breazeale Obituary | Moore Funeral Service | Wiggins, MS - Tribute Archive](https://news.google.com/rss/articles/CBMifEFVX3lxTE5DMTB6cHVleEgyY0I0bjdOTXVlSHVVbzRkbm1WdFJTMEY4cXB0dXRaYWJJT2VhYUpwMHNGc1Y0ckNaMDdKWGtsU1ZRQzJMMjExY052eThBa0pBbjhiRk5XMnhLa2hiR1JZTER3VHZHWDJhRVNDUjZmVHN2UjA?oc=5) · Tribute Archive
- 2006-05-29 [Wiggins Bank Being Sold - WLOX](https://news.google.com/rss/articles/CBMia0FVX3lxTE5ma1Bxb044VHQtOG1LVGZaWVM4UzNzNnl3THYxMGVTX2NHWkZvVWVWWHl3Vm52N01SVFEyd2t1anZuZEhLdVR3OXlzTk50S28wQV91YmtadFFnRV96amNtTkRSUWtMT25VTy0w0gF-QVVfeXFMTlpCZE5xbVBieEV3emhGbDUzQmpLYkFpUEl4YjJmajVuSFB2T1NpRF8ybmw4YUtITkJKY1d4YjJGNi1Jc3FNZkcyejRpU0dIWDgyeUY2Vk9JYW0yT0JYY19PSy1OSGlqOEx2UnhTd2JBdXlzM0xzcGtCcXVPaTdR?oc=5) · WLOX
- 2024-10-28 [Betty Butler Brock Obituary Oct 28, 2024 - Resthaven Funeral Home | Baton Rouge, LA](https://news.google.com/rss/articles/CBMiakFVX3lxTFB2aFRwQV9ndXl5U1RaQ2lkSFRyNG0wZVgyQnJWOTVtcDZWVWwzYjNMRTF4dDMtNUhTbGhDaEV3TkhBakRlajI1WXZyR2FMTjlScTcyV090V1VTMjVZR3IwOVFCRWs1Tm1GY3c?oc=5) · Resthaven Funeral Home | Baton Rouge, LA
- 2013-09-19 [Former Wiggins teller says shopping addiction drove her to steal - WLOX](https://news.google.com/rss/articles/CBMiowFBVV95cUxNU1BJVklsU2NvLS10TDAyaWpsdlFaRGJFNTdiQTBEUTJSd2tnaW9uMm1uYlRJYWU1bFVqa0ZYTk0zeHF0OHRPQWUzUXZwZExCaUk1NF9CR1N6bnZ6NVI3UEY0RzZKZW5hQmF2VVRCclZhYlJuTVVaUEhXRzA2dEJwQWhkM2FJUGZKV3l1Sm5NN0UxNU44N25fZ0lVZFZJY0J5bzRv0gG2AUFVX3lxTE9KWXFlLXZ4WjNXTDI4VnViMWhNdFlsVEk4aElCRWFPdjdHZmQtMmhWeG01ZFdvaFMyUVQxYUxYSTgzUHh2Q2Z3b3M3WE1mQVE4VG0zWFZzNVpmYWJCR2xrN2c1dU52RVFqMlN3akZMT1lNYjEyVTBKa09Db1hubnR2M3NDOEFZdHF5VndBaUE5djNQRE9yM29ILUFqNG04YUdaQ3ZqSjU4UmFvRjdQR0t4ZGp5SXZn?oc=5) · WLOX
- 2008-11-20 [Leo Seal Obituary (2008) - Mobile, AL - AL.com (Mobile) - AL.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPTzJSNzhKY1ZEeVNQUlZRZFJiWDVjeWtjRUFjWGtNeS10ak9pUS1mbWs2Q2Nnb3QwRGlPQ1M0RVZRR3VVVnNxbENldWVRUkR6OE5QY3hrSDlzU0l5Y2ZYS2Q3eUtxQTRyX19DTXdLZ044QjBnX1dtWHAwdnQtMnhnRlJB?oc=5) · AL.com
- 2016-03-15 [Brody "BJ" Brown - Picayune Item](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBpendCb213cDZBYkgyUHdkeGlRRHF1QWZmMXZoQTNlaERNSnRyejdvM2tIVHI1cmhNT2NBZVBFYW8waVMyT0p3akU2V0duX3M1VXpTS08yMnktLVh4?oc=5) · Picayune Item
- 2019-04-04 [Dr. Gordon Spencer McHenry - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBLQW1kenVwMS1YTHZqb3BCLUZzTHNNYzBUUHhhRHphV0IxZjJHcHdFVTY2U3o5a0tGQVJfTUZjS0JHeGNTeDZlNWRrcXhGX3F1djJSUG5ZVkhIOXhiMjYw?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8250 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/58.json (key "8250", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide