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Welch State Bank of Welch, Okla.

Welch, OK · Cert 9472 · Welch Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

51

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

35

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Welch State Bank of Welch, Okla.

Welch, OK · Cert 9472 · Welch Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$449.8MAssets
$314.1MLoans
$394.6MDeposits
$42.5MEquity
Loan mix
76%RE $195.3M14%C&I $36.9M9%Consumer $24.2MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $340.4M14%Noninterest $54.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.31%, up 31 bps year over year; NIM at 4.42%.
  • Asset quality: problem loans at 0.36% of loans (-18 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.20%, down 10 bps from a year ago.
  • Funding: loans stand at 79.61% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.31%+31 bps YoY

Net Interest Margin (YTD, annualized)

4.42%+40 bps YoY

Efficiency Ratio (YTD, annualized)

67.31%-380 bps YoY

Tier 1 Leverage Ratio

10.20%-10 bps YoY

NIM

5.39%Q2 ’245.85%Q2 ’256.21%Q2 ’26+10%+10%

Non-interest income vs. expense

3.20%Q2 ’243.57%Q2 ’253.62%Q2 ’26+8%+3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.99%1.13%1.00%1.08%1.13%1.31%1.31%+31 bps
Return on Equity10.55%11.02%12.54%11.27%12.09%12.50%14.13%14.04%+277 bps
Net Interest Margin3.74%3.86%4.01%4.03%4.08%4.13%4.42%4.42%+40 bps
Efficiency Ratio71.07%70.65%69.06%71.12%69.10%68.84%67.13%67.31%-380 bps
Non-Interest Burden2.41%2.47%2.43%2.57%2.51%2.55%2.64%2.66%+9 bps
Growth
Asset Growth (YoY)4.60%-1.36%-1.76%-0.77%3.82%5.56%4.46%7.20%+798 bps
Loan Growth (YoY)1.46%4.64%4.99%5.67%10.53%8.50%9.81%7.18%+151 bps
Deposit Growth (YoY)4.25%-1.63%0.62%1.97%2.87%4.05%3.43%8.33%+635 bps
Asset Quality
Nonperforming Loans / Loans0.30%0.40%0.69%0.54%0.30%0.21%0.21%0.36%-18 bps
Net Charge-Offs / Loans0.08%0.07%-0.03%0.15%0.05%0.08%0.12%0.13%-2 bps
Allowance / Loans1.69%1.68%1.71%1.61%1.62%1.61%1.58%1.57%-4 bps
Allowance Coverage of NPLs5.6x4.2x2.5x3.0x5.4x7.5x7.6x4.4x+1.4x
Capital
Tier 1 Leverage Ratio10.21%10.38%10.29%10.30%10.29%10.30%10.16%10.20%-10 bps
Total Risk-Based Capital10.21%10.38%10.29%10.30%10.29%10.30%10.16%10.20%-10 bps
Equity / Assets9.51%9.21%8.81%8.67%9.17%9.47%9.07%9.45%+78 bps
Liquidity & Funding
Loans / Deposits76.60%79.02%77.08%80.46%82.31%82.39%81.83%79.61%-85 bps
Liquid Assets / Assets0.01%0.01%0.01%0.07%0.03%0.03%0.08%0.11%+4 bps
CRE / Total Capitaln/an/an/an/a88.36%84.46%95.98%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Welch State Bank of Welch, Okla.

Welch, OK · Cert 9472 · Peer group: banks under $1B in assets in OK (n=88-89) · Welch Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$449.8MAssets
$314.1MLoans
$394.6MDeposits
$42.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 73% of banks under $1B in assets in OK (rank 24 of 89).
  • Widest gap: total risk-based capital ratio trails 90% of banks under $1B in assets in OK (rank 80 of 89).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.29%

Rank 42 of 89

Net Interest Margin

4.42%

Rank 24 of 89

Efficiency Ratio

67.31%

Rank 59 of 89

Equity / Assets

9.45%

Rank 65 of 89

Non-interest income vs. expense

$4.3M$16.2MINCOMEEXPENSE
Unfavorable gap of $11.9M · efficiency ratio beats 35% of banks under $1B in assets in OK
Bank 67.31%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.29%0.85%1.26%1.60%Beats 53%42 / 89
Return on Equity13.62%7.40%11.89%14.65%Beats 64%32 / 89
Net Interest Margin4.42%3.46%3.93%4.45%Beats 73%24 / 89
Efficiency Ratio67.31%54.70%60.95%71.14%Beats 35%59 / 89
Asset Quality
Nonperforming Loans / Loans0.36%0.30%0.82%2.25%Beats 69%28 / 88
Net Charge-Offs / Loans0.09%0.00%0.03%0.20%Beats 33%60 / 88
Capital
Tier 1 Capital Ratio10.20%10.89%13.00%16.33%Beats 11%79 / 89
Total Risk-Based Capital Ratio10.20%11.20%13.06%16.33%Beats 10%80 / 89
Equity / Assets9.45%9.26%10.94%13.52%Beats 27%65 / 89
Liquidity & Funding
Loans / Deposits79.61%61.51%72.27%84.01%63rd pctl33 / 88
Loans / Assets69.84%52.51%63.15%71.27%64th pctl32 / 89
Brokered Deposits / Depositsn/aNot reported for this institution