Wallis Bank
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Data as of · sourced from FFIEC call reports. How we update
Wallis Bank is an FDIC-insured commercial bank headquartered in Wallis, TX, established in 1972 (FDIC certificate 20845), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.38B, down 0.1% from Q2 2025, the 70th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 20845
- Headquarters
- Wallis, TX
- Established
- 1972
- Total assets, Q2 2026
- $1.38B
- Assets vs Q2 2025
- -0.1%
- Tier 1 leverage ratio, Q2 2026
- 10.10%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 113113392
- Holding company
- WALLIS BANCSHARES, INC.
- Asset rank in state
- 70th of 346 in Texas
Wallis Bank is one of the more profitable banks of its size. Based in Wallis, Texas, it had $1.4 billion in assets at June 30, 2026. It earns about $2.40 a year on every $100 of assets, about double the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.99 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
The non-owner-occupied commercial real estate book ($405 million) is worsening: 5.56% of it is past due or on nonaccrual, up from 3.16% a year earlier. The commercial and industrial book ($181 million) is worsening: 1.66% of it is past due or on nonaccrual, up from 0.48% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Wallis Bank reported a return on assets of 2.40%, a nonperforming-loan ratio of 1.43% and a Texas ratio of 17.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Wallis Bank is the 70th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $1.38B, loans rose 3.4% and deposits fell 0.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 35.5% of total loans, followed by owner-occupied commercial real estate loans at 30.7%. The FDIC Summary of Deposits lists 16 offices for it, in 13 cities across 3 states; its Houston 3 offices book 45% of its branch deposits. On its Q2 2026 call report, Wallis Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6510 Railroad St, Wallis, TX 77485
- County
- Austin
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 28, 1972
- Former names
- Wallis State Bank (1987-2019); First City Bank of Wallis (1976-1987)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 229
- Domestic deposits
- $1.20B
- Allowance for credit losses
- $10.8M
- Net charge-offs (YTD)
- $186K
- Average total assets
- $1.36B
- Average total loans
- $1.11B
- Average interest-bearing deposits
- $854.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 28, 1972
- FDIC Cert
- 20845
- Fed RSSD
- 283867
- SEC CIK
- 1660993 → filed by WALLIS BANCSHARES, INC.
- Website
- www.wallisbank.com →
- Parent Holding Company
- WALLIS BANCSHARES, INC. (RSSD 2693956)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Wallis Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Wallis Bank's total assets ranged from $1.17B (Q3 2023) to $1.41B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.38B total assets against $1.39B; $1.25B total liabilities against $1.25B.
$1.13B net loans and leases against $1.11B; $1.20B total deposits against $1.19B.
$17.4M securities against $19.0M; $148.8M cash and balances due against $161.5M.
$22.8M total interest income against $24.8M; $7.4M total interest expense against $8.5M.
$15.3M net interest income against $16.3M.
$3.8M total noninterest income against $3.8M; $10.5M total noninterest expense against $10.4M.
$500K provision for credit losses against $625K.
$8.1M net income against $9.1M.
2.40% return on assets against 2.75%; 4.99% net interest margin against 5.41%.
10.10% tier 1 leverage ratio against 9.94%.
Inside the full Wallis Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Wallis Bank rankings
Its closest position to the top of a national ranking is 203 of 3,611, for ROA; its furthest is 1,231 of 3,606, for efficiency ratio.
Metric pages for Wallis Bank: ROA, Texas Ratio, Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.75% (Q1 2026) to 3.54% (Q4 2024) and its net interest margin ran from 4.67% (Q1 2026) to 5.90% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.10% | 2.40% | 1.43% | 17.17% | 4.99% |
| Q1 2026 | 9.94% | 1.75% | 1.57% | 22.32% | 4.67% |
| Q4 2025 | 9.58% | 1.75% | 1.47% | 24.68% | 4.88% |
| Q3 2025 | 9.54% | 2.48% | 0.43% | 25.43% | 5.26% |
| Q2 2025 | 9.94% | 2.75% | 1.23% | 23.38% | 5.41% |
| Q1 2025 | 10.39% | 2.44% | 1.55% | 23.93% | 5.17% |
| Q4 2024 | 10.05% | 3.54% | 0.96% | 23.08% | 5.90% |
| Q3 2024 | 9.64% | 2.99% | 2.44% | 21.96% | 5.43% |
Swipe the table sideways to see every column.
Branch Network
View all 16 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kempwood Branch | Houston , TX | 77043 | $442.9M |
| Meadows Office | Stafford , TX | 77477 | $130.9M |
| Fulshear Branch | Fulshear , TX | 77441 | $97.4M |
| Wallis Bank (main office) | Wallis , TX | 77485 | $83.5M |
| Dunwoody Branch | Dunwoody , GA | 30338 | $77.9M |
| Sugar Land Branch | Sugar Land , TX | 77479 | $63.3M |
| Wall Street Branch | Los Angeles , CA | 90014 | $58.7M |
| Galleria Branch | Houston , TX | 77027 | $56.5M |
| Artesia Branch | Cerritos , CA | 90703 | $36.9M |
| Northwest Branch | Houston , TX | 77065 | $35.9M |
| Dallas Branch | Dallas , TX | 75229 | $33.8M |
| Sugarloaf Branch | Duluth , GA | 30097 | $31.9M |
| San Antonio Branch | San Antonio , TX | 78232 | $20.0M |
| Medical Center Branch | San Antonio , TX | 78230 | $11.3M |
| Pasadena Branch | Pasadena , TX | 77505 | $9.4M |
| Richardson Branch | Richardson , TX | 75080 | $6.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 28, 1972 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 28, 1972 | Structure Change | Acquired Wallis State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 111 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 80 loans, $89.2M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Wallis Bank
What are Wallis Bank's total assets?
As of the Q2 2026 filing, Wallis Bank reported total assets of $1.38 billion in its FFIEC call report.
Where is Wallis Bank headquartered?
It is headquartered in Wallis, TX, United States.
When was Wallis Bank founded?
It was established in 1972, per the FDIC institution directory.
Is Wallis Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #20845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Wallis Bank?
Wallis Bank's primary federal regulator is the FDIC.
How many branches does Wallis Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Wallis Bank's Texas Ratio?
Its Texas Ratio is 17.17% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Wallis Bank previously called?
The charter now named Wallis Bank has also operated as Wallis State Bank (1987-2019), First City Bank of Wallis (1976-1987), per FDIC structure-change records.
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