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Welch State Bank Of Welch, Okla.
Welch, OK · FDIC Certificate #9472 · Chartered 10/0
Total assets
$449.81M
Total deposits
$394.59M
Total equity
$42.52M
Net loans
$309.20M
Branches (offices)
6
Net income (YTD)
$3.69M
Rank: #1,910 of 4,213 U.S. banks by assets · #60 of 168 in Oklahoma. Assets changed 7.2% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.67% |
| Return on equity | 17.88% |
| Net interest margin (YTD) | 4.87% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 21.3% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 63.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $195.93M | 63.4% | |
| Commercial & industrial | $36.25M | 11.7% | |
| Consumer / individual | $24.39M | 7.9% | |
| Construction & development | $17.22M | 5.6% | |
| Agricultural | $19.42M | 6.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $356.90M | $322.20M | $3.67M | $32.60M |
| Jun 2023 | $397.13M | $342.59M | $3.21M | $33.69M |
| Jun 2024 | $422.87M | $357.21M | $2.46M | $37.11M |
| Jun 2025 | $419.60M | $364.26M | $2.66M | $36.37M |
| Jun 2026 | $449.81M | $394.59M | $3.69M | $42.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $394.59M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $394.59M.
Similar-sized banks
Greatamerica Bank National Association ($449.96M) · The Bank Of East Asia Ltd. ($449.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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