Bank Comparison
Oklahoma Capital Bank vs Walden Mutual Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 2
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.31% | 8.47% |
| Equity / Assets | 13.29% | 8.10% |
Profitability
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 0.01% |
| Return on Equity (ROE) | 9.79% | 0.08% |
| Net Interest Margin (NIM) | 4.65% | 4.13% |
| Yield on Earning Assets | 7.21% | 6.21% |
| Cost of Funds | 2.85% | 2.20% |
Asset quality
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| Texas Ratio | 2.44% | 79.78% |
| Non-Performing Loan Ratio | 0.32% | 9.18% |
| Non-Performing Asset Ratio | 0.26% | 6.85% |
| Net Charge-Off Ratio | -0.01% | 0.30% |
| ACL / Loans | 1.06% | 0.65% |
Balance sheet
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| Total Assets | $181,932K | $181,850K |
| Total Deposits | $150,622K | $166,001K |
| Total Loans | $151,005K | $135,710K |
| Total Equity | $24,186K | $14,724K |
| Net Income (quarter) | $585 | $3 |
Liquidity & funding
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.25% | 81.75% |
| Core Deposit Ratio | 87.16% | 78.81% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Oklahoma Capital Bank | Walden Mutual Bank |
|---|---|---|
| Headquarters City | TULSA | CONCORD |
| Headquarters State | OK | NH |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 24 | 23 |
| Established | Aug. 10, 1963, midnight | Oct. 5, 2022, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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