Walters Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.17 percentage points to 4.73%. Within Oklahoma, Walters Bank and Trust Company is 47th of 169 on net interest margin, 4.73% as of Q2 2026, above the middle of the field. Walters Bank and Trust Company reported 4.73% on net interest margin for Q2 2026, 0.84 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.97% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.61% |
| Cost of interest-bearing deposits | 0.93% |
| Cost of interest-bearing liabilities | 0.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $654K |
| Total interest expense | $86K |
| Interest expense on deposits | $86K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.10% | 0.38% | 3.78% | 6.02% | 2.23% |
| Q4 2023 | 4.33% | 0.39% | 4.01% | 6.16% | 2.08% |
| Q1 2024 | 4.50% | 0.41% | 4.17% | 6.39% | 2.18% |
| Q2 2024 | 4.46% | 0.53% | 4.03% | 6.48% | 2.38% |
| Q3 2024 | 4.57% | 0.63% | 4.07% | 6.58% | 2.39% |
| Q4 2024 | 4.56% | 0.66% | 4.05% | 6.48% | 2.54% |
| Q1 2025 | 4.94% | 0.67% | 4.41% | 7.06% | 2.40% |
| Q2 2025 | 5.06% | 0.64% | 4.54% | 7.09% | 2.47% |
| Q3 2025 | 5.18% | 0.66% | 4.64% | 6.95% | 2.62% |
| Q4 2025 | 5.17% | 0.64% | 4.65% | 6.94% | 2.63% |
| Q1 2026 | 5.45% | 0.65% | 4.90% | 7.03% | 2.59% |
| Q2 2026 | 5.24% | 0.61% | 4.73% | 6.97% | 2.77% |
Walters Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Walters Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)