Walters Bank&Trust Co vs Citizens Bank of Ada
Side-by-side bank health comparison using FDIC financial data
Walters Bank&Trust Co (A) and Citizens Bank of Ada (A) are close on the BankHealth rubric. Asset bases: $66M versus $307M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Walters Bank&Trust Co has a stronger Bank Health Score of 98/100 (A) compared to Citizens Bank of Ada at 98/100 (A), a difference of 0 points. Walters Bank&Trust Co holds a Tier 1 capital ratio of 20.5% and an NPL ratio of 0.31%.
| Metric | Walters Bank&Trust Co | Citizens Bank of Ada |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 98/100 (A) | 98/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 20.5%* | 15.9% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3% | 0.2%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 50.6%* | 42.9% |
| Return on Assets Profitability metric (above 1% is strong) | 1.9%* | 1.8% |
| Total Assets | $66M | $307M |
| Total Deposits | $53M | $265M |
| Location | Walters, Oklahoma | Ada, Oklahoma |
Walters Bank&Trust Co has a stronger Bank Health Score of 98/100 (A) compared to Citizens Bank of Ada at 98/100 (A), a difference of 0 points. Walters Bank&Trust Co holds a Tier 1 capital ratio of 20.5% and an NPL ratio of 0.31%.