BlastPoint's Banking Scorecard
Walters Bank and Trust Company
Micro
Specialty: Agricultural
OK
FDIC cert 14260
Designations: ✓ Community bank
Walters, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Walters Bank and Trust Company shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.6M
+8.0% YoY
+5.4% QoQ
|
-$147.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$37.7M
+19.0% YoY
+18.0% QoQ
|
-$101.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$55.8M
+13.8% YoY
+6.9% QoQ
|
-$127.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.41%
+5.6% YoY
-26.0% QoQ
|
+0.32% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.61%
+10.4% YoY
+0.5% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
66.49%
-6.4% YoY
+13.7% QoQ
|
-1.23% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.02%
-83.1% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
67.56%
+4.6% YoY
+10.4% QoQ
|
-6.97% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
36.14%
+1.8% YoY
+5.0% QoQ
|
+13.74% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.16%
+0.5% YoY
-27.9% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-19.5% YoY
+43.1% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.14% · Tier avg: 22.39%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.56% · Tier avg: 74.53%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.49% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $37.7M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $69.6M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.8M · Tier avg: $183.7M
Top Weaknesses
12
12th pctile
Total Deposits
Current: $55.8M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $69.6M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $37.7M · Tier avg: $139.2M
49
49th pctile
Efficiency Ratio
Current: 66.49% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.56% · Tier avg: 74.53%
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 36.14% · Tier avg: 22.39%