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Letter portraitLegal landscapeQuarterYTD

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 44 bps year over year; NIM at 4.50%.
  • 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 (quarter, annualized)

1.31%+44 bps YoY

Net Interest Margin (quarter, annualized)

4.50%+44 bps YoY

Efficiency Ratio (quarter, annualized)

67.49%-573 bps YoY

Tier 1 Leverage Ratio

10.20%-10 bps YoY

NIM

5.50%Q2 ’245.92%Q2 ’256.28%Q2 ’26+10%+11%

Non-interest income vs. expense

3.12%Q2 ’243.63%Q2 ’253.68%Q2 ’26+19%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%1.13%1.13%0.87%1.25%1.26%1.31%1.31%+44 bps
Return on Equity10.95%12.04%12.54%9.97%14.03%13.55%14.13%14.16%+419 bps
Net Interest Margin3.87%4.11%4.01%4.06%4.33%4.40%4.42%4.50%+44 bps
Efficiency Ratio70.26%69.48%69.06%73.22%65.34%68.10%67.13%67.49%-573 bps
Non-Interest Burden2.45%2.59%2.43%2.73%2.50%2.71%2.64%2.72%-1 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 / Loans0.12%0.03%-0.03%0.32%-0.13%0.16%0.12%0.13%-19 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