Welch State Bank of Welch, Okla. is a state-chartered bank headquartered in Welch, Oklahoma, in business for about 103 years. At the end of Q2 2026 it reported $449.8M in total assets and $394.6M in deposits, with 6 offices.
Based on its Q2 2026 filing, Welch State Bank of Welch, Okla. scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 59th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (52/100; 10.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 73 |
| Q4 2024 | 74 |
| Q1 2025 | 72 |
| Q2 2025 | 71 |
| Q3 2025 | 74 |
| Q4 2025 | 76 |
| Q1 2026 | 77 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 10.21% |
| Q4 2024 | 10.38% |
| Q1 2025 | 10.29% |
| Q2 2025 | 10.30% |
| Q3 2025 | 10.29% |
| Q4 2025 | 10.30% |
| Q1 2026 | 10.16% |
| Q2 2026 | 10.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.69% |
| Q2 2025 | 0.54% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 1.20% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.43% |
| Q2 2025 | 1.27% |
| Q3 2025 | 1.38% |
| Q4 2025 | 1.44% |
| Q1 2026 | 1.67% |
| Q2 2026 | 1.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $449.8M | 10.20% | 0.36% | 1.67% | 78.4% |
| Q1 2026 | 77 | $442.4M | 10.16% | 0.21% | 1.67% | 80.5% |
| Q4 2025 | 76 | $434.0M | 10.30% | 0.21% | 1.44% | 81.1% |
| Q3 2025 | 74 | $432.2M | 10.29% | 0.30% | 1.38% | 81.0% |
| Q2 2025 | 71 | $419.6M | 10.30% | 0.54% | 1.27% | 79.2% |
| Q1 2025 | 72 | $423.5M | 10.29% | 0.69% | 1.43% | 75.8% |
| Q4 2024 | 74 | $411.1M | 10.38% | 0.40% | 1.26% | 77.7% |
| Q3 2024 | 73 | $416.3M | 10.21% | 0.30% | 1.20% | 75.3% |
| Q2 2024 | 71 | $422.9M | 10.00% | 0.44% | 1.16% | 76.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Watermark BankBank Oklahoma City, OK | 81 out of 100, Strong | $450.5M | 13.3% | 0.00% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Local BankBank Hulbert, OK | 66 out of 100, Moderate | $463.1M | 11.4% | 0.52% | vs |
| The Citizens Bank of EdmondBank Edmond, OK | 57 out of 100, Moderate | $432.4M | 8.5% | 0.63% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| Exchange Bank and Trust CompanyBank Perry, OK | 65 out of 100, Moderate | $428.7M | 10.8% | 1.59% | vs |
Deposit insurance
Is my money safe at Welch State Bank of Welch, Okla.?
Yes. Welch State Bank of Welch, Okla. is an FDIC-insured institution (FDIC certificate #9472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.3% of deposits ($83.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
6 locations
Branches
Welch State Bank of Welch, Okla. lists 6 offices in 5 cities. Most locations:
- Miami, OK (2)
- Chouteau, OK (1)
- South Coffeyville, OK (1)
- Vinita, OK (1)
- Welch, OK (1)
Identity & history
Profile
- Legal name
- Welch State Bank of Welch, Okla.
- Type
- State-chartered bank
- FDIC certificate #
- 9472
- RSSD ID
- 416656
- Primary regulator
- FDIC
- Holding company
- Welch Bancshares Inc
- Established
- October 1, 1923
- Headquarters
- 396 S Commercial St, Welch, OK 74369
- Website
- www.welchstatebank.com
- Employees
- 108
Quick answers
Welch State Bank of Welch, Okla.: common questions
Is Welch State Bank of Welch, Okla. FDIC insured?
Yes. Welch State Bank of Welch, Okla. is an FDIC-insured institution (FDIC certificate #9472). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Welch State Bank of Welch, Okla.'s TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Welch State Bank of Welch, Okla. ever failed?
There is no failure record for FDIC certificate #9472 in the FDIC failed bank list.
How many branches does Welch State Bank of Welch, Okla. have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Welch
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| Grand Savings BankBank Grove, OK | 80 out of 100, Strong | $1.0B | 12.0% | 0.63% | vs |