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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

$449.8MAssets
$314.1MLoans
$394.6MDeposits
$42.5MEquity
Loan mix
76%RE $195.3M14%C&I $36.9M9%Consumer $24.2MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $340.4M14%Noninterest $54.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.08%1.13%1.31%1.31%+31 bps
Return on Equity11.27%12.09%12.50%14.13%14.04%+277 bps
Net Interest Margin4.03%4.08%4.13%4.42%4.42%+40 bps
Efficiency Ratio71.12%69.10%68.84%67.13%67.31%-380 bps
Non-Interest Burden2.57%2.51%2.55%2.64%2.66%+9 bps
Growth
Asset Growth (YoY)-0.77%3.82%5.56%4.46%7.20%+798 bps
Loan Growth (YoY)5.67%10.53%8.50%9.81%7.18%+151 bps
Deposit Growth (YoY)1.97%2.87%4.05%3.43%8.33%+635 bps
Asset Quality
Nonperforming Loans / Loans0.54%0.30%0.21%0.21%0.36%-18 bps
Net Charge-Offs / Loans0.15%0.05%0.08%0.12%0.13%-2 bps
Allowance / Loans1.61%1.62%1.61%1.58%1.57%-4 bps
Allowance Coverage of NPLs3.0x5.4x7.5x7.6x4.4x+1.4x
Capital
Tier 1 Leverage Ratio10.30%10.29%10.30%10.16%10.20%-10 bps
Total Risk-Based Capital10.30%10.29%10.30%10.16%10.20%-10 bps
Equity / Assets8.67%9.17%9.47%9.07%9.45%+78 bps
Liquidity & Funding
Loans / Deposits80.46%82.31%82.39%81.83%79.61%-85 bps
Liquid Assets / Assets0.07%0.03%0.03%0.08%0.11%+4 bps
CRE / Total Capitaln/a88.36%84.46%95.98%n/an/a