Walters Bank and Trust Company (FDIC certificate #14260) is based in Walters, Oklahoma. Its Q2 2026 call report shows $70.3M in total assets and $56.5M in deposits and 1 office.
Walters Bank and Trust Company has a TellerScore of 99 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 1st. Its five components are fairly even, ranging from 98 to 100 out of 100.
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 99).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 96 |
| Q3 2024 | 96 |
| Q4 2024 | 94 |
| Q1 2025 | 94 |
| Q2 2025 | 99 |
| Q3 2025 | 98 |
| Q4 2025 | 93 |
| Q1 2026 | 98 |
| Q2 2026 | 99 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.45% |
| Q3 2024 | 21.52% |
| Q4 2024 | 21.26% |
| Q1 2025 | 20.20% |
| Q2 2025 | 20.78% |
| Q3 2025 | 21.17% |
| Q4 2025 | 20.55% |
| Q1 2026 | 19.58% |
| Q2 2026 | 20.03% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.91% |
| Q3 2024 | 1.81% |
| Q4 2024 | 1.33% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.88% |
| Q3 2025 | 1.90% |
| Q4 2025 | 1.35% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.33% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 99 | $70.3M | 20.03% | 0.06% | 2.33% | 60.6% |
| Q1 2026 | 98 | $69.9M | 19.58% | 0.00% | 2.24% | 70.2% |
| Q4 2025 | 93 | $69.6M | 20.55% | 0.02% | 1.35% | 67.6% |
| Q3 2025 | 98 | $66.0M | 21.17% | 0.14% | 1.90% | 61.2% |
| Q2 2025 | 99 | $65.9M | 20.78% | 0.00% | 1.88% | 60.8% |
| Q1 2025 | 94 | $65.4M | 20.20% | 0.00% | 1.48% | 69.0% |
| Q4 2024 | 94 | $64.4M | 21.26% | 0.00% | 1.33% | 64.6% |
| Q3 2024 | 96 | $61.7M | 21.52% | 0.28% | 1.81% | 58.0% |
| Q2 2024 | 96 | $65.8M | 20.45% | 0.31% | 1.91% | 52.5% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank in MarlowBank Marlow, OK | 73 out of 100, Strong | $71.8M | 8.2% | 0.00% | vs |
| Washita Valley BankBank Fort Cobb, OK | 52 out of 100, Below average | $68.8M | 12.3% | 8.23% | vs |
| Community State Bank of CantonBank Canton, OK | 83 out of 100, Strong | $73.0M | 12.9% | 0.34% | vs |
| Community Bank of OklahomaBank Verden, OK | 63 out of 100, Moderate | $67.3M | 12.1% | 1.83% | vs |
| Oklahoma State BankBank Buffalo, OK | 69 out of 100, Moderate | $66.7M | 10.4% | 1.47% | vs |
| Latimer State BankBank Wilburton, OK | 90 out of 100, Very strong | $65.5M | 25.0% | 0.83% | vs |
Deposit insurance
Is my money safe at Walters Bank and Trust Company?
Yes. Walters Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14260). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 11.8% of deposits ($6.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 20.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Walters Bank and Trust Company lists 1 office in 1 city. Most locations:
- Walters, OK (1)
HMDA 2025
Mortgage lending
In 2025, Walters Bank and Trust Company reported 46 home-loan applications under HMDA (LEI 5493008OQHUQJ5KP2L65): 34 originated ($3,320,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Walters Bank and Trust Company
- Former names
- The Bank of Walters
- Type
- State-chartered bank
- FDIC certificate #
- 14260
- RSSD ID
- 536853
- Primary regulator
- FDIC
- Established
- April 14, 1934
- Headquarters
- 201 N Broadway St, Walters, OK 73572
- Website
- waltersbt.com
- Employees
- 15
Quick answers
Walters Bank and Trust Company: common questions
Is Walters Bank and Trust Company FDIC insured?
Yes. Walters Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14260). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Walters Bank and Trust Company's TellerScore?
99 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Walters Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #14260 in the FDIC failed bank list.
How many branches does Walters Bank and Trust Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Walters
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| The First Farmers National Bank of WaurikaBank Waurika, OK | 94 out of 100, Very strong | $55.5M | 19.3% | 0.00% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |