Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs First State Bank
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | First State Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 49 |
| Capital cushion | 52 | 54 (stronger) |
| Loan quality | 88 (stronger) | 25 |
| Earnings | 87 (stronger) | 33 |
| Funding & liquidity | 75 | 91 (stronger) |
| Problem-loan coverage | 95 (stronger) | 58 |
| Peer percentile | 64th | 9th |
| Total assets | $449.8M | $82.1M |
| Deposits / shares | $394.6M | $74.1M |
| Capital ratio | 10.20% | 10.37% (stronger) |
| Problem loans | 0.36% (stronger) | 2.25% |
| Net charge-offs | 0.13% (stronger) | 0.60% |
| Return on assets | 1.67% (stronger) | 0.33% |
| Loans ÷ deposits | 78.4% | 69.2% (stronger) |
| Uninsured deposits | 21.3% | 8.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Welch State Bank of Welch, Okla. has the higher TellerScore (76 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 4 and First State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.