TellerScore

Wallis Bank (FDIC certificate #20845) is based in Wallis, Texas. Its Q2 2026 call report shows $1.4B in total assets and $1.2B in deposits and 16 offices across 3 states.

Wallis Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 309th. Earnings contributes the most (100/100, 2.02%); funding & liquidity contributes the least (34/100, 94% loans-to-deposits, 44% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.10%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.43%
Earnings100/100
Return on assets (annualized): 2.02%
Funding & liquidity34/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 43.6% uninsured
Problem-loan coverage49/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.34%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (60 → 58), mostly because the loan quality component weakened by 7 points.

TellerScore
506375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202450
Q4 202463
Q1 202558
Q2 202560
Q3 202566
Q4 202556
Q1 202654
Q2 202658
Tier 1 leverage ratio
5.00%7.70%10.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.83%
Q3 20249.64%
Q4 202410.05%
Q1 202510.40%
Q2 20259.94%
Q3 20259.54%
Q4 20259.58%
Q1 20269.94%
Q2 202610.10%
Noncurrent loans
0.03%1.24%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20242.44%
Q4 20240.96%
Q1 20251.55%
Q2 20251.23%
Q3 20250.43%
Q4 20251.47%
Q1 20261.57%
Q2 20261.43%
Return on assets
1.69%2.29%2.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20242.65%
Q4 20242.89%
Q1 20252.42%
Q2 20252.57%
Q3 20252.55%
Q4 20252.35%
Q1 20261.69%
Q2 20262.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$1.4B10.10%1.43%2.02%94.5%
Q1 202654$1.4B9.94%1.57%1.69%91.1%
Q4 202556$1.4B9.58%1.47%2.35%88.6%
Q3 202566$1.4B9.54%0.43%2.55%87.8%
Q2 202560$1.4B9.94%1.23%2.57%93.7%
Q1 202558$1.3B10.40%1.55%2.42%92.1%
Q4 202463$1.2B10.05%0.96%2.89%91.1%
Q3 202450$1.3B9.64%2.44%2.65%89.8%
Q2 202475$1.3B9.83%0.03%2.45%88.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.10%
40th
Total risk-based capital0.00%
13th
Problem loans1.43%
17th
Net charge-offs0.03%
51st
Return on assets2.02%
89th
Net interest margin4.75%
92nd
Efficiency ratio58.4%
53rd
Loans to deposits94.5%
27th
Uninsured deposits43.6%
19th
Loan-loss reserves0.94%
24th
Texas ratio25.3%
2nd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Sulphur Springs, TX68 out of 100, Moderate$1.4B10.4%0.55%vs
Southwestern National BankBank Houston, TX73 out of 100, Strong$1.4B12.4%0.42%vs
Texas Security BankBank Dallas, TX63 out of 100, Moderate$1.4B9.6%0.41%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs
Central BankBank Houston, TX70 out of 100, Strong$1.4B10.1%0.54%vs

Deposit insurance

Is my money safe at Wallis Bank?

Yes. Wallis Bank is an FDIC-insured institution (FDIC certificate #20845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.6% of deposits ($521.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.10%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Wallis Bank lists 16 offices in 13 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wallis Bank
Former names
Wallis State Bank; First City Bank of Wallis
Type
State-chartered bank
FDIC certificate #
20845
RSSD ID
283867
Primary regulator
FDIC
Holding company
Wallis Bancshares Inc
Established
October 28, 1972
Headquarters
6510 Railroad St, Wallis, TX 77485
Employees
229

Quick answers

Wallis Bank: common questions

Is Wallis Bank FDIC insured?

Yes. Wallis Bank is an FDIC-insured institution (FDIC certificate #20845). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wallis Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Wallis Bank ever failed?

There is no failure record for FDIC certificate #20845 in the FDIC failed bank list.

How many branches does Wallis Bank have?

16 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Wallis

InstitutionScoreAssetsCapitalProblem loansCompare
American First National BankBank Houston, TX87 out of 100, Very strong$2.9B14.4%0.42%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs
NewFirst National BankBank El Campo, TX84 out of 100, Strong$934.9M12.5%0.21%vs
Shell Federal Credit UnionCredit union Deer Park, TX79 out of 100, Strong$2.1B13.4%0.71%vs
Lone Star BankBank Houston, TX77 out of 100, Strong$202.3M12.7%0.29%vs
Gulf Coast Educators Federal Credit UnionCredit union Pasadena, TX77 out of 100, Strong$1.3B15.7%0.90%vs