BlastPoint's Banking Scorecard
Walters Bank and Trust Company
Designations: ✓ Community bank
Walters, OK
Walters Bank and Trust Company shows strong momentum with 4 strengths and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.39% above tier average
- + Delinquency Rate 1.36% below tier average
- + Net Interest Margin 1.00% above tier average
- + Efficiency Ratio 32.57% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.9M
+6.8% YoY
+0.5% QoQ
|
+$7.6M |
$62.3M
-0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.0% YoY
|
56% |
| Total Loans ? |
$39.6M
+9.1% YoY
+5.1% QoQ
|
+$5.3M |
$34.3M
-1.5% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.7% YoY
|
63% |
| Total Deposits ? |
$56.4M
+7.2% YoY
+1.1% QoQ
|
+$4.6M |
$51.8M
-0.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.0% YoY
|
54% |
| Return on Assets ? |
2.24%
+51.7% YoY
+65.5% QoQ
|
+1.39% |
0.86%
-3.6% YoY
|
1.34%
+7.6% YoY
|
1.24%
+13.1% YoY
|
Top 6.9% in tier |
| Net Interest Margin ? |
4.87%
+8.3% YoY
+5.7% QoQ
|
+1.00% |
3.87%
+2.7% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 13.6% in tier |
| Efficiency Ratio ? |
55.06%
-12.0% YoY
-18.5% QoQ
|
-32.57% |
87.63%
+2.3% YoY
|
65.16%
-1.8% YoY
|
66.84%
-3.8% YoY
|
85% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.36% |
1.36%
+33.7% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
70.22%
+1.8% YoY
+3.9% QoQ
|
+6.11% |
64.11%
-0.9% YoY
|
73.83%
+1.6% YoY
|
76.69%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
34.89%
-3.6% YoY
-3.5% QoQ
|
+11.10% |
23.79%
+0.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.1% YoY
|
Top 14.2% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-24.2% YoY
-25.8% QoQ
|
-0.65% |
0.77%
+28.7% YoY
|
1.12%
+15.3% YoY
|
0.66%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
19.58%
-3.1% YoY
-4.7% QoQ
|
-7.19% |
26.77%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.09%
-6.4% YoY
-78.0% QoQ
|
-0.58% |
0.67%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.0% YoY
|
67% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.