BlastPoint's Banking Scorecard
Wallis Bank
Community
Specialty: Commercial
TX
FDIC cert 20845
Wallis, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Wallis Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 21% in Community
- + Deposit Franchise: Top 44% in Community
- + Return on Assets 1.19% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 74% in Community
- - Nonperforming Asset Ratio 2.93% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+11.5% YoY
-1.2% QoQ
|
+$896K |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$1.1B
+8.6% YoY
-0.2% QoQ
|
+$100.6M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.2B
+11.7% YoY
-1.1% QoQ
|
+$50.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.35%
-18.5% YoY
-8.0% QoQ
|
+1.19% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.24%
-10.6% YoY
-1.8% QoQ
|
+1.58% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
56.04%
+3.2% YoY
+2.0% QoQ
|
-6.59% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
1.48%
+53.9% YoY
+246.1% QoQ
|
+0.86% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
88.56%
-2.8% YoY
+0.9% QoQ
|
+5.50% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
27.46%
-13.5% YoY
-2.7% QoQ
|
+6.42% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
3.42%
+21.7% YoY
+21.5% QoQ
|
+2.93% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.40%
-3.1% YoY
-2.0% QoQ
|
+1.16% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
1.13%
-8.6% YoY
+29.3% QoQ
|
+0.39% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#79 of 371 · Top 21% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.13%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.35%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#66 of 150 · Top 44% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
27.46%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.24%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 4%
in Community
Why this stands out
Current:
2.35%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (2)
Margin Compression
decline
#89 of 120 · Bottom 74% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
2.35%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.42%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.66%
96
96th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.16%
89
89th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.74%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.46% · Tier avg: 21.05%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 62.63%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
40
40th pctile
Tier 1 Capital Ratio
Current: 11.40% · Tier avg: 10.24%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.56% · Tier avg: 83.06%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.42% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.48% · Tier avg: 0.63%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.56% · Tier avg: 83.06%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.40% · Tier avg: 10.24%
66
66th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Efficiency Ratio
Current: 56.04% · Tier avg: 62.63%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 27.46% · Tier avg: 21.05%
89
89th pctile
Non-Interest Income / Assets
Current: 1.13% · Tier avg: 0.74%
96
96th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.66%