Walters Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 9.76 percentage points lower than in Q1 2026, at 62.72%. Within Oklahoma, Walters Bank and Trust Company is 135th of 169 on loan-to-deposit ratio, 61.62% as of Q2 2026, below the middle of the field. Walters Bank and Trust Company reported 61.62% on loan-to-deposit ratio for Q2 2026, 6.31 points below the 67.92% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $14.8M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $35.1M |
| Fed funds sold and reverse repos | $2.4M |
| Fed funds sold and reverse repos to assets | 3.38% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 61.62% |
| Net loans and leases to deposits | 60.64% |
| Loans and leases to core deposits | 62.72% |
| Core deposits to total deposits | 98.23% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 53.76% | 98.14% | $0 | $0 |
| Q4 2023 | 63.92% | 98.09% | $0 | $0 |
| Q1 2024 | 60.10% | 97.69% | $0 | $0 |
| Q2 2024 | 53.33% | 97.66% | $0 | $0 |
| Q3 2024 | 58.88% | 97.41% | $0 | $0 |
| Q4 2024 | 65.45% | 97.44% | $0 | $2.5M |
| Q1 2025 | 69.85% | 97.61% | $0 | $0 |
| Q2 2025 | 61.65% | 98.10% | $0 | $0 |
| Q3 2025 | 62.08% | 98.09% | $0 | $0 |
| Q4 2025 | 68.58% | 98.21% | $0 | $0 |
| Q1 2026 | 71.20% | 98.23% | $0 | $0 |
| Q2 2026 | 61.62% | 98.23% | $0 | $0 |
Walters Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Walters Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Walters Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14260) · FFIEC NIC profile (RSSD 536853)