Walters Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Walters Bank and Trust Company is an FDIC-insured commercial bank headquartered in Walters, OK, established in 1934 (FDIC certificate 14260), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $70.3M, up 6.7% from Q2 2025, the 143rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14260
- Headquarters
- Walters, OK
- Established
- 1934
- Total assets, Q2 2026
- $70.3M
- Assets vs Q2 2025
- +6.7%
- Tier 1 leverage ratio, Q2 2026
- 20.03%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103103121
- Latest call report
- Q2 2026, FFIEC 051 · Walters Bank and Trust Company call report
- Asset rank in state
- 143rd of 169 in Oklahoma
Walters Bank and Trust Company, based in Walters, Oklahoma, reported $70 million in assets at June 30, 2026, up 6.7% from a year earlier. It pays an average of 0.61% on its deposits and borrowings, about a third the median of 1.53% for the 583 banks with less than $100 million in assets. It also earns about $2.43 a year on every $100 of assets, about double the median of $1.06 for banks its size.
Net income for the quarter rose 14% from a year earlier, to $425,000.
As of June 30, 2026, Walters Bank and Trust Company reported a return on assets of 2.43%, a nonperforming-loan ratio of 0.06% and a Texas ratio of 0.74%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Walters Bank and Trust Company is the 143rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $70.3M, loans fell 13.3% and deposits rose 0.2%. 1-4 family residential loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 22.1%. The FDIC Summary of Deposits lists a single office for it, in Walters, OK. By the capital ratios in its Q2 2026 call report, Walters Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 N Broadway St, Walters, OK 73572
- County
- Cotton
- Metro Area
- Lawton, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 14, 1934
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $56.5M
- Allowance for credit losses
- $553K
- Net charge-offs (YTD)
- $18K
- Average total assets
- $70.1M
- Average total loans
- $37.5M
- Average interest-bearing deposits
- $37.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 14, 1934
- FDIC Cert
- 14260
- Fed RSSD
- 536853
- Website
- http://waltersbt.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Walters Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Walters Bank and Trust Company's total assets ran between $61.7M (Q3 2024) and $70.3M (Q2 2026), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$70.3M total assets against $65.9M; $56.7M total liabilities against $52.7M.
$34.3M net loans and leases against $32.0M; $56.5M total deposits against $52.6M.
$20.4M securities against $21.2M; $14.8M cash and balances due against $11.9M.
$889K total interest income against $811K; $86K total interest expense against $84K.
$803K net interest income against $727K.
$70K total noninterest income against $64K; $448K total noninterest expense against $418K.
$0 provision for credit losses against $0.
$425K net income against $373K.
2.43% return on assets against 2.27%; 4.73% net interest margin against 4.54%.
20.03% tier 1 leverage ratio against 20.78%.
Inside the full Walters Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.21% (Q4 2025) to 2.43% (Q2 2026) and its net interest margin ran from 4.05% (Q4 2024) to 4.90% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.03% | 2.43% | 0.06% | 0.74% | 4.73% |
| Q1 2026 | 19.58% | 2.24% | 0.00% | 0.61% | 4.90% |
| Q4 2025 | 20.55% | -0.21% | 0.02% | 0.80% | 4.65% |
| Q3 2025 | 21.17% | 1.95% | 0.14% | 1.06% | 4.64% |
| Q2 2025 | 20.78% | 2.27% | 0.00% | 0.77% | 4.54% |
| Q1 2025 | 20.20% | 1.46% | 0.00% | 0.80% | 4.41% |
| Q4 2024 | 21.26% | -0.11% | 0.00% | 0.80% | 4.05% |
| Q3 2024 | 21.52% | 1.59% | 0.28% | 0.78% | 4.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Walters Bank and Trust Company (main office) | Walters , OK | 73572 | $56.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 165 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 46 applications, 34 loans originated, $3.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Walters Bank and Trust Company
What are Walters Bank and Trust Company's total assets?
As of the Q2 2026 filing, Walters Bank and Trust Company reported total assets of $70.3 million in its FFIEC call report.
Where is Walters Bank and Trust Company headquartered?
It is headquartered in Walters, OK, United States.
When was Walters Bank and Trust Company founded?
It was established in 1934, per the FDIC institution directory.
Is Walters Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14260). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Walters Bank and Trust Company?
Walters Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Walters Bank and Trust Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Walters Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.74% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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