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Wallis Bank
Wallis, TX · FDIC Certificate #20845 · Chartered 10/2
Total assets
$1.38B
Total deposits
$1.20B
Total equity
$137.83M
Net loans
$1.13B
Branches (offices)
16
Net income (YTD)
$14.06M
Rank: #797 of 4,213 U.S. banks by assets · #70 of 346 in Texas. Assets changed -0.1% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.02% |
| Return on equity | 20.70% |
| Net interest margin (YTD) | 4.75% |
| Equity to assets | 9.96% |
| Tier 1 leverage ratio | 10.10% |
| Uninsured deposits (share of deposits) | 43.6% |
| Noncurrent loans (share of loans) | 1.43% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $957.65M | 84.7% | |
| Commercial & industrial | $181.34M | 16.0% | |
| Consumer / individual | $2.11M | 0.2% | |
| Construction & development | $165.78M | 14.7% | |
| Agricultural | $122.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.10B | $963.83M | $17.02M | $112.05M |
| Jun 2023 | $1.17B | $971.71M | $22.74M | $120.45M |
| Jun 2024 | $1.30B | $1.11B | $15.25M | $127.08M |
| Jun 2025 | $1.39B | $1.19B | $16.74M | $133.39M |
| Jun 2026 | $1.38B | $1.20B | $14.06M | $137.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $991.36M | 12 |
| Georgia | $109.78M | 2 |
| California | $95.69M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.20B.
Similar-sized banks
Optimumbank ($1.39B) · State Bank Of India (California) ($1.38B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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