Wallis Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 8.01 percentage points in Q2 2026, from 380.80% to 388.82%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Wallis Bank ranks 32nd highest among the 346 banks headquartered in Texas, at 95.39% (Q2 2026). Wallis Bank reported 95.39% on loan-to-deposit ratio for Q2 2026, 7.19 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.14B |
| Net loans and leases | $1.13B |
| Loans held for sale | $0 |
| Loans to total assets | 82.49% |
| Loan-to-deposit ratio | 95.39% |
| Net loans to equity capital | 8.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 66.18% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 15.88% |
| Consumer | 0.18% |
| Credit cards | 0.03% |
| Farm | 0.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 388.82% |
| Construction concentration (Tier 1 capital + allowance) | 112.42% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.77% |
| Interest income on loans | $21.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $944.4M | $970.1M | 66.33% | 9.31% | 0.21% |
| Q4 2023 | $952.1M | $1.03B | 66.30% | 9.83% | 0.23% |
| Q1 2024 | $965.3M | $1.04B | 66.28% | 10.69% | 0.22% |
| Q2 2024 | $983.2M | $1.11B | 66.61% | 10.28% | 0.22% |
| Q3 2024 | $1.01B | $1.12B | 63.66% | 13.46% | 0.41% |
| Q4 2024 | $998.6M | $1.09B | 62.81% | 13.81% | 0.41% |
| Q1 2025 | $1.05B | $1.13B | 64.18% | 12.80% | 0.33% |
| Q2 2025 | $1.12B | $1.19B | 64.30% | 13.34% | 0.31% |
| Q3 2025 | $1.09B | $1.23B | 65.07% | 14.04% | 0.29% |
| Q4 2025 | $1.09B | $1.22B | 66.03% | 14.99% | 0.30% |
| Q1 2026 | $1.10B | $1.20B | 64.92% | 16.04% | 0.21% |
| Q2 2026 | $1.14B | $1.20B | 66.18% | 15.88% | 0.18% |
Wallis Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wallis Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Wallis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20845) · FFIEC NIC profile (RSSD 283867)