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
Unfavorable gap of $11.9M · efficiency ratio beats 35% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.85% | 1.26% | 1.60% | Beats 53% | 42 / 89 | | |
| Return on Equity | 13.62% | 7.40% | 11.89% | 14.65% | Beats 64% | 32 / 89 | | |
| Net Interest Margin | 4.42% | 3.46% | 3.93% | 4.45% | Beats 73% | 24 / 89 | | |
| Efficiency Ratio | 67.31% | 54.70% | 60.95% | 71.14% | Beats 35% | 59 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.30% | 0.82% | 2.25% | Beats 69% | 28 / 88 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.03% | 0.20% | Beats 33% | 60 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 10.20% | 10.89% | 13.00% | 16.33% | Beats 11% | 79 / 89 | | |
| Total Risk-Based Capital Ratio | 10.20% | 11.20% | 13.06% | 16.33% | Beats 10% | 80 / 89 | | |
| Equity / Assets | 9.45% | 9.26% | 10.94% | 13.52% | Beats 27% | 65 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.61% | 61.51% | 72.27% | 84.01% | 63rd pctl | 33 / 88 | | |
| Loans / Assets | 69.84% | 52.51% | 63.15% | 71.27% | 64th pctl | 32 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |