🏦Bank Scorer

WALTERS BANK AND TRUST COMPANY

WALTERS, OK · Supervised by FDIC

Est. 1934FDIC #14,260RSSD: FDIC-14260
Outstanding Up

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.24%

Institution Profile

FDIC BankFind

Address

201 N Broadway St, WALTERS, OK

County

Cotton County

Established

April 14, 1934

Total Assets

$70M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$70M

Total Deposits

$56M

Net Loans

$40M

Net Income

$391K

ROA

2.24%

ROE

11.58%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate18.18%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$53M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244475%18.18%
20235172.55%19.61%
20195080%12.00%
20184671.74%19.57%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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