Side-by-side · Q2 2026 data
Welch State Bank of Welch, Okla. vs The Peoples State Bank
Metric by metric
| Measure | Welch State Bank of Welch, Okla. | The Peoples State Bank |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 88 | 89 (stronger) |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 75 (stronger) | 49 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 64th | 87th |
| Total assets | $449.8M | $23.5M |
| Deposits / shares | $394.6M | $17.4M |
| Capital ratio | 10.20% | 19.83% (stronger) |
| Problem loans | 0.36% | 0.33% (stronger) |
| Net charge-offs | 0.13% | -0.07% (stronger) |
| Return on assets | 1.67% | 2.87% (stronger) |
| Loans ÷ deposits | 78.4% (stronger) | 117.7% |
| Uninsured deposits | 21.3% | 16.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples State Bank has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Welch State Bank of Welch, Okla. leads on 1 and The Peoples State Bank on 6. 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.