BlastPoint's Banking Scorecard
Wallis Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Wallis, TX
16 branches across TX · CA · GA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
- Deposits +0.6% year over year ($1.2B on the books).
- Delinquency rate 1.44%.
- Return on assets 2.02%.
- Efficiency ratio 58.38% vs a 59.73% peer average.
- Loan-to-deposit ratio 94.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wallis Bank has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48.6% in tier
- + Deposit Franchise: Top 55.0% in tier
- + ROA 0.63% above tier average
- + Efficiency Ratio 1.35% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6.8% in tier
- - Credit Risk Growth: Bottom 7.2% in tier
- - Liquidity Strain: Bottom 13.3% in tier
- - Margin Compression: Bottom 25.9% in tier
- - Nonperforming Asset Ratio 2.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
-0.1% YoY
-1.1% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$1.1B
+1.4% YoY
+3.4% QoQ
|
-$832.4M |
$2.0B
-0.3% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$1.2B
+0.6% YoY
-0.3% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
2.02%
-21.5% YoY
+19.3% QoQ
|
+0.63% |
1.39%
+17.0% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 11.2% in tier |
| Net Interest Margin ? |
4.75%
-10.6% YoY
+3.7% QoQ
|
+0.88% |
3.87%
+6.2% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Top 8.2% in tier |
| Efficiency Ratio ? |
58.38%
+7.0% YoY
-6.3% QoQ
|
-1.35% |
59.73%
-12.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
1.44%
+16.1% YoY
-8.8% QoQ
|
+0.57% |
0.87%
+11.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
94.49%
+0.8% YoY
+3.7% QoQ
|
+9.45% |
85.04%
-0.1% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
30.02%
+5.7% YoY
-3.1% QoQ
|
+8.75% |
21.27%
-1.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
2.72%
-5.3% YoY
-16.3% QoQ
|
+2.05% |
0.67%
+11.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.5% in tier |
| Tier 1 Capital Ratio ? |
10.10%
-8.7% YoY
-12.1% QoQ
|
-4.75% |
14.84%
-0.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.6% in tier |
| Non-Interest Income / Assets ? |
0.49%
-17.8% YoY
+127.9% QoQ
|
-0.03% |
0.53%
+2.5% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
80% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.0%
+1.6pp YoY -1.0pp QoQ |
+8.7pp | 21.4% | 29.2% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.5% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.0%
+2.6pp YoY -0.2pp QoQ |
+2.0pp | 14.0% | 14.8% | 12.5% | 70% |
| CRE |
81.7%
-2.8pp YoY +0.3pp QoQ |
+31.7pp | 50.0% | 48.4% | 41.4% | 96% |
| 1-4 Family |
2.4%
+0.3pp YoY -0.4pp QoQ |
-24.0pp | 26.4% | 25.8% | 31.3% | 4% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-4.5pp | 4.7% | 4.7% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
10.1%
+0.2pp YoY +0.2pp QoQ |
-1.2pp | 11.3% | 12.6% | 12.6% | 39% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
229
-6 (-2.6%) YoY +3 (+1.3%) QoQ |
-85 | 313 | 186 | 482 | 48% |
| Assets per Employee ($) |
$6.0M
+2.5% YoY -2.3% QoQ |
-$4.4M | $10.5M | $10.1M | $8.8M | 12% |
| Branch Count |
16
0 YoY 0 QoQ |
-4 | 20 | 12 | 18 | 53% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.3% | 0.4% | 12% |
| Nonaccrual |
1.4%
+0.2pp YoY -0.1pp QoQ |
+0.6pp | 0.8% | 1.0% | 1.0% | 85% |
| Allowance Coverage |
0.66x
+6.8% YoY +10.9% QoQ |
-18.05x | 18.71x | 18.82x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.7%
-4.7pp YoY +3.2pp QoQ |
+8.1pp | 12.6% | 13.2% | 11.6% | 92% |
| Cost of Funds (YTD) |
2.4%
-0.4pp YoY 0.0pp QoQ |
+0.5pp | 1.9% | 1.6% | 1.7% | 83% |
| Net Income ($, YTD) |
$14.1M
-16.0% YoY — QoQ |
-$5.2M | $19.2M | $15.9M | $40.4M | 57% |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (4)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.