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Wallis Bank

Wallis, TX · Cert 20845 · Wallis Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wallis Bank

Wallis, TX · Cert 20845 · Wallis Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$137.8MEquity
Loan mix
84%RE $923.0M16%C&I $177.1M0%Consumer $2.3MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $837.5M30%Noninterest $359.3MQ2 2025Q2 2026

NIM

7.98%Q2 ’247.08%Q2 ’256.60%Q2 ’26-11%-6%

Non-interest income vs. expense

3.89%Q2 ’243.22%Q2 ’253.14%Q2 ’26-28%+8%

Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #31 of 107 inst. · $0.9B of $360.4B

0.2% Harris
1.4% Fort Bend
0.0% Los Angeles
5.1% Austin

Executive Summary

  • Earnings: ROA of 1.59%, down 44 bps year over year; NIM at 4.37%.
  • Asset quality: problem loans at 1.43% of loans (+20 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.10%, up 16 bps from a year ago.
  • Funding: loans stand at 95.39% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.59%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.37%-28 bps YoY

Efficiency Ratio (YTD, annualized)

58.38%+384 bps YoY

Tier 1 Leverage Ratio

10.10%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.02%2.01%1.85%1.33%1.59%-44 bps
Return on Equity19.99%20.10%18.70%13.78%16.25%-374 bps
Net Interest Margin4.65%4.53%4.53%4.23%4.37%-28 bps
Efficiency Ratio54.54%54.94%56.04%62.33%58.38%+384 bps
Non-Interest Burden1.96%1.96%2.04%2.30%2.13%+17 bps
Growth
Asset Growth (YoY)6.94%7.80%11.47%10.24%-0.10%-704 bps
Loan Growth (YoY)14.28%7.52%8.74%5.58%1.61%-1,267 bps
Deposit Growth (YoY)7.44%10.10%11.70%6.59%0.62%-682 bps
Asset Quality
Nonperforming Loans / Loans1.23%0.43%1.47%1.57%1.43%+20 bps
Net Charge-Offs / Loans0.07%0.10%0.10%0.06%0.03%-3 bps
Allowance / Loans0.76%0.79%0.91%0.93%0.94%+18 bps
Allowance Coverage of NPLs0.6x1.8x0.6x0.6x0.7x0.0x
Capital
Tier 1 Leverage Ratio9.94%9.54%9.58%9.94%10.10%+16 bps
Total Risk-Based Capital11.82%12.42%12.28%12.42%10.10%-173 bps
Equity / Assets9.63%9.61%9.66%9.67%9.96%+33 bps
Liquidity & Funding
Loans / Deposits94.46%88.47%89.37%91.94%95.39%+93 bps
Liquid Assets / Assets7.40%11.55%10.99%9.68%7.26%-14 bps
CRE / Total Capitaln/a678%670%664%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wallis Bank

Wallis, TX · Cert 20845 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Wallis Bancshares Inc.

State charter, non-member · FDIC · 16 branches

Q2 2026

$1.4BAssets
$1.1BLoans
$1.2BDeposits
$137.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets operating regionally (rank 15 of 176).
  • Widest gap: total risk-based capital ratio trails 94% of banks $1B-$10B in assets operating regionally (rank 166 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.59%

Rank 38 of 176

Net Interest Margin

4.37%

Rank 15 of 176

Efficiency Ratio

58.38%

Rank 77 of 176

Equity / Assets

9.96%

Rank 103 of 176

Non-interest income vs. expense

$13.7M$42.5MINCOMEEXPENSE
Unfavorable gap of $28.9M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally
Bank 58.38%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.59%0.93%1.26%1.54%Beats 78%38 / 176
Return on Equity16.02%9.26%11.89%14.46%Beats 85%27 / 176
Net Interest Margin4.37%3.25%3.59%3.93%Beats 91%15 / 176
Efficiency Ratio58.38%52.79%59.55%67.66%Beats 57%77 / 176
Asset Quality
Nonperforming Loans / Loans1.43%0.30%0.64%1.32%Beats 21%140 / 176
Net Charge-Offs / Loans0.02%0.01%0.04%0.10%Beats 63%66 / 176
Capital
Tier 1 Capital Ratio10.10%11.15%12.72%14.15%Beats 7%163 / 176
Total Risk-Based Capital Ratio10.10%11.81%13.63%15.33%Beats 6%166 / 176
Equity / Assets9.96%9.16%10.35%11.80%Beats 41%103 / 176
Liquidity & Funding
Loans / Deposits95.39%80.94%89.73%97.21%71st pctl51 / 176
Loans / Assets82.49%69.25%75.12%80.82%83rd pctl30 / 176
Brokered Deposits / Depositsn/aNot reported for this institution