Welch State Bank of Welch, OKLA.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 473.91 percentage points in Q2 2026, from 800.00% to 326.09%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, Welch State Bank of Welch, OKLA. is 66th of 169 on return on assets, 1.67% as of Q2 2026, above the middle of the field. Welch State Bank of Welch, OKLA. reported 1.67% on return on assets for Q2 2026, 0.41 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.20% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 9.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.48% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 3.24% |
| Allowance for credit losses to loans | 1.57% |
| Reserve coverage of non-performing loans | 326.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.67% |
| Return on equity | 18.04% |
| Net interest margin | 5.00% |
| Efficiency ratio | 64.40% |
| Yield on earning assets | 6.88% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.61% |
| Core deposits to total deposits | 77.69% |
| Brokered deposits to total deposits | 16.29% |
| Deposits to assets | 87.72% |
| Securities to assets | 20.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.11% | 1.16% | 4.27% | 0.51% | 0.02% |
| Q4 2023 | 10.13% | 1.71% | 4.44% | 0.53% | 0.24% |
| Q1 2024 | 10.03% | 1.10% | 4.14% | 0.57% | 0.09% |
| Q2 2024 | 10.00% | 1.25% | 4.11% | 0.55% | 0.07% |
| Q3 2024 | 10.21% | 1.27% | 4.34% | 0.45% | 0.14% |
| Q4 2024 | 10.38% | 1.42% | 4.60% | 0.52% | 0.04% |
| Q1 2025 | 10.29% | 1.43% | 4.48% | 0.56% | -0.03% |
| Q2 2025 | 10.30% | 1.11% | 4.48% | 0.28% | 0.38% |
| Q3 2025 | 10.29% | 1.58% | 4.80% | 0.50% | -0.15% |
| Q4 2025 | 10.30% | 1.60% | 4.91% | 0.22% | 0.18% |
| Q1 2026 | 10.16% | 1.66% | 4.93% | 0.20% | 0.14% |
| Q2 2026 | 10.20% | 1.67% | 5.00% | 0.48% | 0.15% |
Welch State Bank of Welch, OKLA. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Welch State Bank of Welch, OKLA., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Welch State Bank of Welch, OKLA. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9472) · FFIEC NIC profile (RSSD 416656)