Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs Exchange Bank and Trust Company
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | Exchange Bank and Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 52 | 58 (stronger) |
| Loan quality | 88 (stronger) | 47 |
| Earnings | 87 | 95 (stronger) |
| Funding & liquidity | 75 (stronger) | 63 |
| Problem-loan coverage | 95 (stronger) | 75 |
| Peer percentile | 64th | 29th |
| Total assets | $449.8M | $428.7M |
| Deposits / shares | $394.6M | $385.9M |
| Capital ratio | 10.20% | 10.75% (stronger) |
| Problem loans | 0.36% (stronger) | 1.59% |
| Net charge-offs | 0.13% | 0.07% (stronger) |
| Return on assets | 1.67% | 1.88% (stronger) |
| Loans ÷ deposits | 78.4% (stronger) | 82.6% |
| Uninsured deposits | 21.3% (stronger) | 28.2% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welch State Bank of Welch, Okla. has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 4 and Exchange Bank and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.