WELCH STATE BANK OF WELCH, OKLA.

WELCH, OK | Small | Est. Oct. 1, 1923, midnight | FDIC #9472 | RSSD #416656 | FDIC
Latest Report: 2025-12-31

WELCH STATE BANK OF WELCH, OKLA. is asn small FDIC-insured commercial bank headquartered in WELCH, OK, established in Oct. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $434M and total deposits of $370M. Profitability stands at 1.60% ROA and 17.17% ROE, with a net interest margin of 4.77%. The bank's CET1 capital ratio is 9.25%. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 0.98%. FDIC Certificate #9472.

Assets

$434M

Deposits

$370M

Loans

$305M

Equity

$41M

Profitability

Return on Assets (ROA) 1.60%
Return on Equity (ROE) 17.17%
Net Interest Margin (NIM) 4.77%
Yield on Assets 6.84%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.08%
Texas Ratio 0.98%
NPA Ratio 0.10%
ACL / Loans 1.61%

Capital & Liquidity

CET1 Ratio 9.25%
Tier 1 Capital 9.25%
Total Capital Ratio 9.72%
Leverage Ratio 10.30%
Loan-to-Deposit 82.39%

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