Walters Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Walters Bank and Trust Company of Walters, OK against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 2.43% | 3.13% | -0.70% | 89th top |
| ROAE | 12.60% | 10.30% | +2.30% | 71st above |
| Net Interest Margin | 4.73% | 3.94% | +0.79% | 81st top |
| Efficiency Ratio | 51.32% | 76.36% | -25.04% | 85th top |
| PPNR / Avg Assets | 2.43% | 1.40% | +1.03% | 89th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.24% | 5.35% | -0.11% | 50th above |
| Cost of Funds | 0.61% | 1.70% | -1.09% | 93rd top |
| Net Interest Spread | 4.31% | 3.32% | +0.99% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.12% | 0.71% | -0.59% | 52nd above |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.59% | 1.49% | +0.10% | 72nd above |
| Texas Ratio | 0.74% | 8.28% | -7.54% | 59th above |
| Provision / NCO | 0.00% | 291.35% | -291.35% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 20.03% | 17.64% | +2.39% | 80th top |
| Equity / Assets | 19.41% | 16.44% | +2.97% | 79th top |
| TCE / Tangible Assets | 19.41% | 16.19% | +3.22% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.62% | 72.86% | -11.24% | 58th above |
| Core Deposit Ratio | 98.23% | 88.26% | +9.97% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.66% | 4.25% | +2.41% | 72nd above |
| Loan Growth (Y/Y) | 7.37% | 6.75% | +0.62% | 70th above |
| Deposit Growth (Y/Y) | 7.43% | 3.72% | +3.71% | 75th top |
See Walters Bank and Trust Company's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Walters Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Walters Bank and Trust Company profile, how to read a UBPR, or how this data updates.