WALTERS BANK AND TRUST COMPANY

WALTERS, OK | Micro | Est. April 14, 1934, midnight | FDIC #14260 | RSSD #536853 | FDIC
Latest Report: 2025-12-31

WALTERS BANK AND TRUST COMPANY is amn micro FDIC-insured commercial bank headquartered in WALTERS, OK, established in April 14, 1934, midnight. As of 2025-12-31, the bank reported total assets of $70M and total deposits of $56M. Profitability stands at -0.01% ROA and -0.03% ROE, with a net interest margin of 4.89%. The bank's CET1 capital ratio is 19.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.74%. FDIC Certificate #14260. The institution operates 1 domestic branch.

Assets

$70M

Deposits

$56M

Loans

$38M

Equity

$14M

Profitability

Return on Assets (ROA) -0.01%
Return on Equity (ROE) -0.03%
Net Interest Margin (NIM) 4.89%
Yield on Assets 5.45%
Cost of Funds 0.98%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.74%
NPA Ratio 0.15%
ACL / Loans 1.49%

Capital & Liquidity

CET1 Ratio 19.70%
Tier 1 Capital 19.70%
Total Capital Ratio 20.68%
Leverage Ratio 20.59%
Loan-to-Deposit 68.58%

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