Bank Comparison
Washita Valley Bank vs Walters Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 12.38% | 19.58% |
| Equity / Assets | 11.82% | 19.08% |
Profitability
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 2.24% |
| Return on Equity (ROE) | 9.97% | 11.58% |
| Net Interest Margin (NIM) | 4.28% | 4.90% |
| Yield on Earning Assets | 5.78% | 5.45% |
| Cost of Funds | 1.64% | 0.63% |
Asset quality
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| Texas Ratio | 42.82% | 0.61% |
| Non-Performing Loan Ratio | 10.85% | 0.00% |
| Non-Performing Asset Ratio | 4.54% | 0.12% |
| Net Charge-Off Ratio | 2.17% | 0.18% |
| ACL / Loans | 1.98% | 1.38% |
Balance sheet
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| Total Assets | $70,588K | $69,886K |
| Total Deposits | $61,764K | $56,442K |
| Total Loans | $29,549K | $40,187K |
| Total Equity | $8,345K | $13,335K |
| Net Income (quarter) | $206 | $391 |
Liquidity & funding
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 47.84% | 71.20% |
| Core Deposit Ratio | 99.59% | 98.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Washita Valley Bank | Walters Bank and Trust Company |
|---|---|---|
| Headquarters City | FORT COBB | WALTERS |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 11 | 15 |
| Established | July 9, 1902, midnight | April 14, 1934, 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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