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
Unfavorable gap of $28.9M · efficiency ratio beats 57% of banks $1B-$10B in assets operating regionally | 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 |