Welch State Bank of Welch, Okla.
Also written as WSB of Welch Okla.
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Data as of · sourced from FFIEC call reports. How we update
Welch State Bank of Welch, Okla. is an FDIC-insured commercial bank headquartered in Welch, OK, established in 1923 (FDIC certificate 9472), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $449.8M, up 7.2% from Q2 2025, the 60th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9472
- Headquarters
- Welch, OK
- Established
- 1923
- Total assets, Q2 2026
- $449.8M
- Assets vs Q2 2025
- +7.2%
- Tier 1 leverage ratio, Q2 2026
- 10.20%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103104942
- Latest call report
- Q2 2026, FFIEC 051 · Welch State Bank of Welch, Okla. Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- WELCH BANCSHARES, INC.
- Asset rank in state
- 60th of 169 in Oklahoma
Welch State Bank of Welch, Okla. earns an unusually wide margin on its lending. Its balance sheet stood at $450 million at June 30, 2026, up 7.2% from a year earlier; it is based in Welch, Oklahoma. It keeps 5.00 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it pays an average of 2.38% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.9 million, 60% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.36% of loans, down from 0.54% a year earlier.
As of June 30, 2026, Welch State Bank of Welch, Okla. reported a return on assets of 1.67%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Welch State Bank of Welch, Okla. ranks as the 60th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $449.8M, loans rose 0.8% and deposits rose 3.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 24.4% of total loans, followed by 1-4 family residential loans at 23.9%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in OK; its Miami 2 offices book 43% of its branch deposits. On its Q2 2026 call report, Welch State Bank of Welch, Okla. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 396 S Commercial St, Welch, OK 74369
- County
- Craig
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1923
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 108
- Domestic deposits
- $394.6M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $198K
- Average total assets
- $447.3M
- Average total loans
- $278.3M
- Average interest-bearing deposits
- $279.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9472
- Fed RSSD
- 416656
- Website
- https://www.welchstatebank.com →
- Parent Holding Company
- WELCH BANCSHARES, INC. (RSSD 1061660)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Welch State Bank of Welch, Okla. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Welch State Bank of Welch, Okla.'s total assets moved between a low of $398.0M (Q3 2023) and a high of $449.8M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$449.8M total assets against $419.6M; $407.3M total liabilities against $383.2M.
$309.2M net loans and leases against $288.4M; $394.6M total deposits against $364.3M.
$94.0M securities against $92.0M; $21.0M cash and balances due against $13.0M.
$7.0M total interest income against $6.2M; $2.0M total interest expense against $2.0M.
$5.0M net interest income against $4.3M.
$1.1M total noninterest income against $951K; $4.1M total noninterest expense against $3.8M.
$120K provision for credit losses against $105K.
$1.9M net income against $1.2M.
1.67% return on assets against 1.11%; 5.00% net interest margin against 4.48%.
10.20% tier 1 leverage ratio against 10.30%.
Inside the full Welch State Bank of Welch, Okla. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWelch State Bank of Welch, Okla. rankings
Its closest position to the top of a national ranking is 961 of 3,611, for ROA; its furthest is 2,293 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.11% (Q2 2025) to 1.67% (Q2 2026) and its net interest margin ran from 4.34% (Q3 2024) to 5.00% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.20% | 1.67% | 0.36% | 2.41% | 5.00% |
| Q1 2026 | 10.16% | 1.66% | 0.21% | 1.45% | 4.93% |
| Q4 2025 | 10.30% | 1.60% | 0.21% | 1.43% | 4.91% |
| Q3 2025 | 10.29% | 1.58% | 0.30% | 2.05% | 4.80% |
| Q2 2025 | 10.30% | 1.11% | 0.54% | 3.90% | 4.48% |
| Q1 2025 | 10.29% | 1.43% | 0.69% | 4.72% | 4.48% |
| Q4 2024 | 10.38% | 1.42% | 0.40% | 2.67% | 4.60% |
| Q3 2024 | 10.21% | 1.27% | 0.30% | 1.90% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Welch State Bank of Welch, Okla. (main office) | Welch , OK | 74369 | $117.6M |
| Miami Branch | Miami , OK | 74354 | $106.9M |
| Steve Owens Branch | Miami , OK | 74354 | $64.4M |
| Chouteau Branch | Chouteau , OK | 74337 | $46.8M |
| South Coffeyville Branch | South Coffeyville , OK | 74072 | $39.1M |
| Vinita Branch | Vinita , OK | 74301 | $19.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2022 | Structure Change | Acquired Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 60 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $5.2M approved, $870K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Welch State Bank of Welch, Okla.
What are Welch State Bank of Welch, Okla.'s total assets?
As of the Q2 2026 filing, Welch State Bank of Welch, Okla. reported total assets of $449.8 million in its FFIEC call report.
Where is Welch State Bank of Welch, Okla. headquartered?
It is headquartered in Welch, OK, United States.
When was Welch State Bank of Welch, Okla. founded?
It was established in 1923, per the FDIC institution directory.
Is Welch State Bank of Welch, Okla. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Welch State Bank of Welch, Okla.?
Welch State Bank of Welch, Okla.'s primary federal regulator is the FDIC.
How many branches does Welch State Bank of Welch, Okla. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Welch State Bank of Welch, Okla.'s Texas Ratio?
Its Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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