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Walters Bank And Trust Company
Walters, OK · FDIC Certificate #14260 · Chartered 04/1
Total assets
$70.31M
Total deposits
$56.55M
Total equity
$13.64M
Net loans
$34.29M
Branches (offices)
1
Net income (YTD)
$816.00K
Rank: #3,905 of 4,213 U.S. banks by assets · #142 of 168 in Oklahoma. Assets changed 6.7% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.33% |
| Return on equity | 12.04% |
| Net interest margin (YTD) | 4.83% |
| Equity to assets | 19.41% |
| Tier 1 leverage ratio | 20.03% |
| Uninsured deposits (share of deposits) | 11.8% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 60.6% |
| Real estate loans (share of loans) | 64.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $22.16M | 64.6% | |
| Commercial & industrial | $1.71M | 5.0% | |
| Consumer / individual | $3.26M | 9.5% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $7.70M | 22.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $70.18M | $60.42M | $350.00K | $9.72M |
| Jun 2023 | $68.03M | $55.40M | $630.00K | $12.58M |
| Jun 2024 | $65.78M | $53.42M | $624.00K | $12.26M |
| Jun 2025 | $65.92M | $52.64M | $613.00K | $13.18M |
| Jun 2026 | $70.31M | $56.55M | $816.00K | $13.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $56.55M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $56.55M.
Similar-sized banks
Clinton Bank ($70.41M) · Adams State Bank ($70.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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