BlastPoint's Banking Scorecard
Wallis Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Wallis, TX
16 branches across TX · CA · GA
Wallis Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 55.8% in tier
- + ROA 0.33% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.1% in tier
- - Liquidity Strain: Bottom 17.7% in tier
- - Margin Compression: Bottom 41.7% in tier
- - Nonperforming Asset Ratio 2.58% above tier average
- - Efficiency Ratio 1.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+10.2% YoY
+0.5% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.1B
+5.4% YoY
+1.6% QoQ
|
-$871.4M |
$2.0B
+0.6% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$1.2B
+6.6% YoY
-1.2% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.69%
-29.9% YoY
-27.9% QoQ
|
+0.33% |
1.37%
+19.6% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.58%
-11.6% YoY
-12.7% QoQ
|
+0.76% |
3.82%
+6.9% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 10.2% in tier |
| Efficiency Ratio ? |
62.33%
+7.9% YoY
+11.2% QoQ
|
+1.27% |
61.06%
-4.6% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
1.58%
+1.2% YoY
+6.5% QoQ
|
+0.69% |
0.89%
+14.1% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
91.08%
-1.1% YoY
+2.8% QoQ
|
+6.87% |
84.20%
+0.3% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
30.98%
+3.0% YoY
+12.8% QoQ
|
+9.69% |
21.29%
-2.5% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 14.1% in tier |
| Nonperforming Asset Ratio ? |
3.25%
-1.3% YoY
-5.1% QoQ
|
+2.58% |
0.67%
+15.6% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.0% in tier |
| Tier 1 Capital Ratio ? |
11.49%
-1.2% YoY
+0.8% QoQ
|
-3.67% |
15.16%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.22%
-38.7% YoY
-80.7% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
75% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.