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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.37% | 2.79% | 1.90% | 2.16% | 1.96% | 1.37% | 1.33% | 1.84% | -33 bps | |
| Return on Equity | 24.17% | 27.65% | 18.31% | 21.69% | 20.34% | 14.22% | 13.78% | 18.74% | -295 bps | |
| Net Interest Margin | 5.03% | 5.40% | 4.68% | 4.91% | 4.77% | 4.42% | 4.23% | 4.53% | -38 bps | |
| Efficiency Ratio | 49.55% | 46.33% | 57.76% | 51.49% | 55.71% | 59.54% | 62.33% | 54.80% | +330 bps | |
| Non-Interest Burden | 1.91% | 1.78% | 2.09% | 1.96% | 2.15% | 2.23% | 2.30% | 1.97% | +1 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% | 0.29% | 0.00% | 0.14% | 0.17% | 0.07% | 0.06% | 0.01% | -12 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 | |