Walters Bank&Trust Co vs First State Bank in Temple
Side-by-side bank health comparison using FDIC financial data
Walters Bank&Trust Co (A) and First State Bank in Temple (A) are close on the BankHealth rubric. Asset bases: $66M versus $26M.
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 First State Bank in Temple 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 | First State Bank in Temple |
|---|---|---|
| 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% | 20.9%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.3% | 0.0%* |
| Liquidity Ratio Cash and liquid assets vs obligations | 50.6% | 70.6%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.9%* | 1.4% |
| Total Assets | $66M | $26M |
| Total Deposits | $53M | $22M |
| Location | Walters, Oklahoma | Temple, Oklahoma |
Walters Bank&Trust Co has a stronger Bank Health Score of 98/100 (A) compared to First State Bank in Temple 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%.