Walters Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.58 percentage points lower than in Q1 2026, at 61.62%. Walters Bank and Trust Company ranks 135th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 61.62% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Walters Bank and Trust Company sits 6.31 points lower, at 61.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.8M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 49.55% |
| Loan-to-deposit ratio | 61.62% |
| Net loans to equity capital | 2.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.92% |
| Consumer | 9.36% |
| Credit cards | 0.00% |
| Farm | 17.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.25% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.97% |
| Interest income on loans | $654K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $28.9M | $53.7M | 5.42% | 5.47% | 11.82% |
| Q4 2023 | $33.5M | $52.4M | 4.63% | 4.76% | 10.84% |
| Q1 2024 | $32.5M | $54.0M | 4.72% | 4.48% | 10.99% |
| Q2 2024 | $28.5M | $53.4M | 5.40% | 5.65% | 12.92% |
| Q3 2024 | $28.5M | $48.5M | 5.75% | 5.33% | 13.38% |
| Q4 2024 | $32.1M | $49.1M | 4.98% | 5.32% | 11.56% |
| Q1 2025 | $36.8M | $52.7M | 11.09% | 4.71% | 10.01% |
| Q2 2025 | $32.5M | $52.6M | 12.50% | 5.53% | 11.40% |
| Q3 2025 | $32.4M | $52.2M | 9.91% | 5.54% | 11.20% |
| Q4 2025 | $38.3M | $55.8M | 8.86% | 4.81% | 9.01% |
| Q1 2026 | $40.2M | $56.4M | 9.09% | 4.74% | 8.53% |
| Q2 2026 | $34.8M | $56.5M | 11.00% | 4.92% | 9.36% |
Walters Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Walters Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)