Walters Bank and Trust Company: how it compares with its peers
Against 47 OK banks with half to twice its assets, Walters Bank and Trust Company's strongest measure in Q2 2026 is return on assets (2.33% vs. a 1.48% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $5.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.33% | 1.48% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.83% | 4.29% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.18% | 60.76% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.7M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.64% | 66.65% | Context |
What it means for lending operations
Its efficiency ratio of 53.18% is better than the 60.76% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Washita Valley Bank Fort Cobb, OK · $69M
- Community State Bank of Canton Canton, OK · $73M
- COMMUNITY BANK OF OKLAHOMA Verden, OK · $67M
- Oklahoma State Bank Buffalo, OK · $67M
- Latimer State Bank Wilburton, OK · $66M
Questions about Walters Bank and Trust Company
How big is Walters Bank and Trust Company?
Walters Bank and Trust Company, established in 1934, is headquartered in Walters, OK. It reported $70M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Walters Bank and Trust Company's return on assets?
2.33% annualized in Q2 2026, against a 1.48% median for 47 OK banks with half to twice its assets, ahead of 91% of them.
What is Walters Bank and Trust Company's efficiency ratio?
53.18% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.76%, and lower is better.
Is Walters Bank and Trust Company growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 7.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.