# WALLIS BANK
WALLIS, TX · FDIC certificate 20845 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.38B | |
| Deposits | $1.20B | |
| Loans and leases | $1.14B | |
| Total equity | $137.8M | |
| Loans / deposits | 94.49% (p73 of band) | 87.10% |
| Liquid assets / assets | 12.01% (p11 of band) | |
| Uninsured deposits / deposits | 43.58% (p81 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.53% (p32 of band) | |
| FHLB advances / assets | 2.53% | |
| Tier 1 leverage | 10.10% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -0.52% (p92 of band) | -7.75% |
| AOCI / equity | -0.15% (p61 of band) | |
| ROA (annualized) | 2.02% (p88 of band) | 1.26% |
| Net interest margin | 4.75% (p92 of band) | 3.70% |
| Efficiency ratio | 58.38% (p48 of band) | |
| Noncurrent loans | 1.43% (p83 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 66.13% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 120.28% (p94 of band) | |
| Auto loans | $89,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 229 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 0 |  | wholesale funding >15% |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | construction >100% equity | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 2 | capital falling | charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 2 | loans exceed deposits |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 3 | reserve under noncurrent |  |
| 2020-03 | 2 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2020-09 | 6 | capital falling |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 4 |  | charge-offs p90, liquid assets <10% |
| 2021-06 | 3 |  | wholesale funding >15% |
| 2021-09 | 1 |  | loans exceed deposits, capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | uninsured deposits >50%, assets shrinking |  |
| 2022-06 | 5 | run vulnerability, deposits shrinking |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 3 |  | deposits shrinking |
| 2023-06 | 2 | capital falling | uninsured deposits >50%, run vulnerability |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 2 |  | capital falling, noncurrent p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | capital falling | reserve under noncurrent |
| 2025-12 | 2 | reserve under noncurrent | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-02 [Bank sues condemned Lenexa hotel to regain control of property, recoup $5M debt - kansascity.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQX1VHaC14T0E2c3k2a2pFSDAwcXk5NFd1YjFjTWw3U01PM0twWEtGaG1QdlZNWHdpUk1sY3NWcm4xTHdRRWNqaUI4T1djVDlMMnlHRlRJczYyQjhHVG9nZVJIS3VMbE1tZkdyU0pJYXpwLVROcmJLY2NGNVAzYTVfWEZVS0J6XzBENDJRa9IBjAFBVV95cUxPZUxlOThOaUNraXZoMUdQUld6NTB3UkhGVlpSNm9HQ0N0Sk9JM2o4eTI2aE9xM3JmTVI2RVB6NUVZd0hJTk9Gd3RvMzhWZkhZekRvRzBEb0FkUmpnbUdHTm1CbDF6endiZndnYmRjQ2YtUFdXWFRKSHNuaG1ZX3JaQ0dOOVFwbnZrLXR5Ug?oc=5) · kansascity.com
- 2026-07-06 [Condemned Lenexa Radisson Hotel’s lender sues for control of building - Johnson County Post](https://news.google.com/rss/articles/CBMijgFBVV95cUxOc1AtNWlxVDFsVzhGSU1odVRtTkU2dlhZbTBhLTNBODhuRTlKbUVzeldqcnpOVFhMUU9CX1JuX1R4NnN5RXBaQ3JLd0YtbnR5c25WVVlHaU9pMHJTNWF5QmNtRWZsVUctRERKdmJKdndweFZjNTFkUXFvX2IyVDkzbXNFSkZyV2VBZHpoZlBn?oc=5) · Johnson County Post
- 2024-10-23 [Wallis Bank opens new branch, plans further expansion in Houston - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOT1JfZ3ZIMk9FeGxGaEZEd0lnWWtqMFFQVlhUblJKa09SREY4d2xzcWk4aDA0Vy0yRVpadWFyUWZWYTVyVVlXU1oxMHFjRlJjYmIzNGtTWHdYclR2TUtpU0U3UzdDT0NOX1Nva19TaUpmZXhhQmdKYTZubHQ4Q3BTZXdkUG0xVzBNN1VfVHFhSW1PaVFmT3JTZXRpRQ?oc=5) · The Business Journals
- 2021-11-24 [Wallis Bank taps new Dallas lead to grow market share - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTE1HSm16anhGc2hzeVVpLXk2ZjVoOWFUbG4xZWd0TzdWMWVNVFhqSHFWTEJJRjV4S016WVFsUDRseWRMclRPZTFwbkg0WURiT3UwVUg0WWFwN2tEb2d2WUROM1Excm4wWVdOdVl5R0tPblZILWxPUExtUmxrUmFLRWM?oc=5) · The Business Journals
- 2022-08-01 [Prominent Houston banking family gifts $4M to UH's innovative new center for minority entrepreneurship - CultureMap Houston](https://news.google.com/rss/articles/CBMihwJBVV95cUxNb192dk1qWEtnVURUSk96dmtsNWhIODJHYWt4RlVzY3Bfa0ZibXpRZU82SllYT3ZhVlU5NTZZRHZuQm5lSWUxOGxnelRHMGFXWW9GMy1tZmdZYVpXYmpFX2I4SnlwSmlueUZSeFZ6MjZRcHZoQmRJS0puQXdIdzJUUnJhWmZXbFBjYXd2VmxyUW14VC1yNFhiOHljek5JZUdseG50a0U5NWdkaDF2WHJDSHE5eWJoNzRRTHY2U2xKZ0ZfbGt3a0V1WVBGY1RMTVFDUW03YWVTR21mZ1ludDRaaGwwX2p4WXB6SzJweFdPNERMZ05fR2JOUy1zTmhjd3FOeGNXQ0ZiRQ?oc=5) · CultureMap Houston
- 2022-07-19 [$4 Million Dakri Family Gift Supports UH’s New Center for Economic Inclusion - University of Houston](https://news.google.com/rss/articles/CBMingFBVV95cUxPNE9MOWRMMm9OSzMtbzlJcVZxWTdYc2dPYWx2QXgwclV6Tjd3cGhGX3hOZjhsMEpfVlk3d0dmUVVLekcyRlA5eDdfU1ZtTjZOLWdKVlV5SUI2SEM0VXA1RHJtUnRDMjZyNlhLb19IcjlsQmFNUWJHWGZpamNTWUhvSXN1SEo1N2NVNVBFc3AwT0IxaVBGU3dVd0hjNDk0Zw?oc=5) · University of Houston
- 2026-05-09 [10 Top Direct Lenders for Commercial Real Estate Financing - Small Business Trends](https://news.google.com/rss/articles/CBMic0FVX3lxTE9YV0dlT2F0S3NTX1AtYTVWc09mS1VzdV83RkNBa3ZaaHhOR1pjczR2dVVsN1JIZHdqYWZUZ2tyUk42VFBzTmc5NENCcEZaRTBFeUJfUjlFTFplb0RrbG5rVlVRTF9KeW01SXBRX1BadTNXN0E?oc=5) · Small Business Trends
- 2016-04-04 [Versa Creative Group Volunteers at the Houston Food Bank - Newswire.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNbVE5NHdQX2ZHeUVqcndKREFaUmYwTDNPazNkOEZ5LURsMC0zRkN4X2FYeWZORU1mY3JpYllPZDFybmlNai14V1doSGJjeXdhdDF1cXBlWUhHY1JuVFZtQjhMei1VaGlIdWJhZUxXb2FQOS04UnVKWW9ySVQ0WHFLS3o1WWhxRGhLSHF5UjNNMWJTdDFrMF9KTWpR?oc=5) · Newswire.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20845 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/45.json (key "20845", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide