Wallis Bank: how it compares with its peers
Against 85 TX banks with half to twice its assets, Wallis Bank's strongest measure in Q2 2026 is return on assets (2.02% vs. a 1.53% peer median). Its weakest relative measure is assets per employee ($6.0M vs. $8.5M).
| Measure | Wallis Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.02% | 1.53% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 4.16% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.38% | 57.95% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $8.5M | Bottom third Ahead of 15% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.49% | 79.80% | Context |
What it means for lending operations
Its efficiency ratio of 58.38% is above the 57.95% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Alliance Bank Sulphur Springs, TX · $1.39B
- Southwestern National Bank Houston, TX · $1.39B
- Texas Security Bank Dallas, TX · $1.38B
- The City National Bank of Sulphur Springs Sulphur Springs, TX · $1.37B
- SouthStar Bank, S.S.B. Moulton, TX · $1.37B
- Central Bank Houston, TX · $1.42B
Questions about Wallis Bank
How big is Wallis Bank?
Wallis Bank, established in 1972, is headquartered in Wallis, TX. It reported $1.38B in total assets in its Q2 2026 FDIC call report and operates 17 offices.
What is Wallis Bank's return on assets?
2.02% annualized in Q2 2026, against a 1.53% median for 85 TX banks with half to twice its assets, ahead of 81% of them.
What is Wallis Bank's efficiency ratio?
58.38% in Q2 2026: it spent about 58 cents in noninterest expense for each dollar of revenue. The peer median is 57.95%, and lower is better.
Is Wallis Bank growing its loans?
Net loans grew 1.4% over the year to Q2 2026, while deposits grew 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.