🏦Bank Scorer

BANK OF WIGGINS

WIGGINS, MS · Supervised by FDIC

Est. 1916FDIC #8,250RSSD: FDIC-8250
Outstanding Up

Current rating · Exam: December 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.60%

Institution Profile

FDIC BankFind

Address

109 Pine Ave W, WIGGINS, MS

County

Stone County

Established

December 4, 1916

Total Assets

$234M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$234M

Total Deposits

$210M

Net Loans

$90M

Net Income

$347K

ROA

0.60%

ROE

6.34%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$191M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20246198.36%0.00%
202360100%0.00%
20197197.18%2.82%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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