Wallis, TX · Cert 20845 · Wallis Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
18
Asset Quality
42
Profitability
85
Liquidity
57
Efficiency
57
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.
Wallis, TX · Cert 20845 · Wallis Bancshares Inc.
State charter, non-member · FDIC · 16 branches
Q2 2026
Market Position · Houston-Pasadena-The Woodlands, TX · 2026 SOD (annual) · 0.3% share · #31 of 107 inst. · $0.9B of $360.4B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.08% | 2.28% | 1.90% | 2.02% | 2.01% | 1.85% | 1.33% | 1.59% | -44 bps | |
| Return on Equity | 20.80% | 22.56% | 18.31% | 19.99% | 20.10% | 18.70% | 13.78% | 16.25% | -374 bps | |
| Net Interest Margin | 5.08% | 5.25% | 4.68% | 4.65% | 4.53% | 4.53% | 4.23% | 4.37% | -28 bps | |
| Efficiency Ratio | 57.12% | 54.31% | 57.76% | 54.54% | 54.94% | 56.04% | 62.33% | 58.38% | +384 bps | |
| Non-Interest Burden | 2.41% | 2.29% | 2.09% | 1.96% | 1.96% | 2.04% | 2.30% | 2.13% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 2.76% | 3.23% | 6.94% | 7.80% | 11.47% | 10.24% | -0.10% | -704 bps | |
| Loan Growth (YoY) | 7.05% | 4.89% | 8.30% | 14.28% | 7.52% | 8.74% | 5.58% | 1.61% | -1,267 bps | |
| Deposit Growth (YoY) | 15.04% | 5.50% | 8.04% | 7.44% | 10.10% | 11.70% | 6.59% | 0.62% | -682 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.44% | 0.96% | 1.55% | 1.23% | 0.43% | 1.47% | 1.57% | 1.43% | +20 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.09% | 0.00% | 0.07% | 0.10% | 0.10% | 0.06% | 0.03% | -3 bps | |
| Allowance / Loans | 0.87% | 0.79% | 0.80% | 0.76% | 0.79% | 0.91% | 0.93% | 0.94% | +18 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.8x | 0.5x | 0.6x | 1.8x | 0.6x | 0.6x | 0.7x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.64% | 10.05% | 10.39% | 9.94% | 9.54% | 9.58% | 9.94% | 10.10% | +16 bps | |
| Total Risk-Based Capital | 12.43% | 12.53% | 12.42% | 11.82% | 12.42% | 12.28% | 12.42% | 10.10% | -173 bps | |
| Equity / Assets | 9.80% | 10.42% | 10.36% | 9.63% | 9.61% | 9.66% | 9.67% | 9.96% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.59% | 91.80% | 92.82% | 94.46% | 88.47% | 89.37% | 91.94% | 95.39% | +93 bps | |
| Liquid Assets / Assets | 13.74% | 8.24% | 6.14% | 7.40% | 11.55% | 10.99% | 9.68% | 7.26% | -14 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 678% | 670% | 664% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.59% | 0.93% | 1.26% | 1.54% | Beats 78% | 38 / 176 | ||
| Return on Equity | 16.02% | 9.26% | 11.89% | 14.46% | Beats 85% | 27 / 176 | ||
| Net Interest Margin | 4.37% | 3.25% | 3.59% | 3.93% | Beats 91% | 15 / 176 | ||
| Efficiency Ratio | 58.38% | 52.79% | 59.55% | 67.66% | Beats 57% | 77 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.43% | 0.30% | 0.64% | 1.32% | Beats 21% | 140 / 176 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.10% | Beats 63% | 66 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.10% | 11.15% | 12.72% | 14.15% | Beats 7% | 163 / 176 | ||
| Total Risk-Based Capital Ratio | 10.10% | 11.81% | 13.63% | 15.33% | Beats 6% | 166 / 176 | ||
| Equity / Assets | 9.96% | 9.16% | 10.35% | 11.80% | Beats 41% | 103 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.39% | 80.94% | 89.73% | 97.21% | 71st pctl | 51 / 176 | ||
| Loans / Assets | 82.49% | 69.25% | 75.12% | 80.82% | 83rd pctl | 30 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||