| Metric | Wallis Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +5.5% | -5.6 pts |
| Deposit growth (YoY) | +0.6% | +5.1% | -4.4 pts |
| Loan growth (YoY) | +1.4% | +5.9% | -4.5 pts |
| ROA | 2.02% | 1.26% | +0.8 pts |
| ROE | 20.7% | 12.2% | +8.5 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.38B | $1.20B | $1.13B | $137.8M | $14.1M | 2.02% | 4.75% | 2.72% |
| Q1 2026 | $1.40B | $1.20B | $1.09B | $135.3M | $5.9M | 1.69% | 4.58% | 3.25% |
| Q4 2025 | $1.39B | $1.22B | $1.08B | $134.5M | $31.5M | 2.35% | 5.24% | 3.42% |
| Q3 2025 | $1.41B | $1.23B | $1.08B | $135.4M | $25.4M | 2.55% | 5.34% | 2.82% |
| Q2 2025 | $1.39B | $1.19B | $1.11B | $133.4M | $16.7M | 2.57% | 5.31% | 2.87% |
| Q1 2025 | $1.27B | $1.13B | $1.04B | $131.5M | $7.6M | 2.42% | 5.18% | 3.29% |
| Q4 2024 | $1.25B | $1.09B | $990.8M | $130.2M | $36.3M | 2.89% | 5.87% | 2.81% |
| Q3 2024 | $1.31B | $1.12B | $1.00B | $128.1M | $25.0M | 2.65% | 5.78% | 2.28% |
Loan mix (Q2 2026): real estate $957.7M · commercial $181.3M · consumer $2.1M · securities $17.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Wallis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.26% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 20.7% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 59.0% | 47th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Wallis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Wallis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Wallis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Wallis Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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