What is Welch State Bank of Welch, Okla.'s financial health grade?

Welch State Bank of Welch, Okla. has a TFS Financial Health Grade of C- (score: 71.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Welch State Bank of Welch, Okla. have?

Welch State Bank of Welch, Okla. has 6 branch locations across the United States.

Is Welch State Bank of Welch, Okla. FDIC insured?

Yes, Welch State Bank of Welch, Okla. is FDIC insured (Certificate #9472).

What are the total assets of Welch State Bank of Welch, Okla.?

Welch State Bank of Welch, Okla. has total assets of $434.0M as reported in its most recent FDIC filing.

Welch State Bank of Welch, Okla.

BankWelch, Oklahoma

https://www.welchstatebank.com

Total Assets

$434.0M

Total Deposits

$370.1M

Branches

Established

1923

TFS Health Grade

C-

71.2 / 100

Average financial health

How we grade

Welch State Bank of Welch, Okla. is a bank headquartered in Welch, Oklahoma, established in 1923. With $434.0M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C- (71.2/100).

Capital & Safety

Tier 1 Capital Ratio

10.30%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.21%

Profitability

Return on Assets (ROA)

1.44%(1%)

Return on Equity (ROE)

15.85%(10%)

Net Interest Margin

4.58%

Efficiency Ratio

68.84%(60%)

Lending & Liquidity

Total Loans

$305.0M

Loan-to-Deposit Ratio

81.07%

Net Charge-Off Ratio

0.08%

Growth

Asset Growth (YoY)

+5.56%

Deposit Growth (YoY)

+4.05%

Net Income

$6.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Welch State Bank of Welch, Okla.HQ	396 S Commercial St	Welch	OK	11
Welch State Bank of Welch, Okla.	215 W Main St	Chouteau	OK	11
Welch State Bank of Welch, Okla.	2525 N Main St	Miami	OK	11
Welch State Bank of Welch, Okla.	2227 E Steve Owens Blvd	Miami	OK	11
Welch State Bank of Welch, Okla.	115 W 3rd St.	South Coffeyville	OK	11
Welch State Bank of Welch, Okla.	570 S Wilson St	Vinita	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.