Welch State Bank of Welch, OKLA.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Welch State Bank of Welch, OKLA. of Welch, OK against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.67% | 1.34% | +0.33% | 72nd above |
| ROAE | 18.04% | 13.31% | +4.73% | 80th top |
| Net Interest Margin | 5.00% | 3.93% | +1.07% | 92nd top |
| Efficiency Ratio | 64.40% | 61.14% | +3.26% | 41st below |
| PPNR / Avg Assets | 1.77% | 1.68% | +0.09% | 61st above |
| Yield on Earning Assets | 6.88% | 5.67% | +1.21% | 94th top |
| Cost of Funds | 2.38% | 1.88% | +0.50% | 18th bottom |
| Net Interest Spread | 4.67% | 3.32% | +1.35% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.48% | 0.94% | -0.46% | 46th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.34% | 0.70% | -0.36% | 48th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.16% | -0.01% | 15th bottom |
| ACL / Total Loans | 1.57% | 1.28% | +0.29% | 82nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 326.09% | 1539.25% | -1213.16% | 62nd above |
| Texas Ratio | 3.24% | 7.33% | -4.09% | 52nd above |
| Provision / NCO | 121.21% | 1396.33% | -1275.12% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.20% | 12.14% | -1.94% | 36th below |
| Equity / Assets | 9.45% | 11.38% | -1.93% | 35th below |
| TCE / Tangible Assets | 9.35% | 11.09% | -1.74% | 37th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.61% | 80.64% | -1.03% | 52nd above |
| Core Deposit Ratio | 77.69% | 86.86% | -9.17% | 12th bottom |
| Wholesale Funding Ratio | 2.22% | 5.04% | -2.82% | 65th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.20% | 6.85% | +0.35% | 70th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.18% | 7.90% | -0.72% | 61st above |
| Deposit Growth (Y/Y) | 8.33% | 6.29% | +2.04% | 77th top |
See Welch State Bank of Welch, OKLA.'s peers by name
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Unlock Welch State Bank of Welch, OKLA., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Welch State Bank of Welch, OKLA. profile, how to read a UBPR, or how this data updates.