Welch State Bank of Welch, Okla.
Welch, OK
IDRSSD: 416656
Total Assets
$433.97M
Latest filing
Total Deposits
$370.14M
Latest filing
Net Interest Margin
4.79%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Welch State Bank of Welch, Okla.
396 S Commercial St
Welch, OK 74369
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/01/1923FDIC Certificate 6087
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Welch State Bank of Welch, Okla. (Main) | 396 S Commercial St | Welch, OK |
| CHOUTEAU BRANCH | 215 W Main St | Chouteau, OK |
| SOUTH COFFEYVILLE BRANCH | 115 W 3rd St. | South Coffeyville, OK |
| MIAMI BRANCH | 2525 N Main St | Miami, OK |
| STEVE OWENS BRANCH | 2227 E Steve Owens Blvd | Miami, OK |
| VINITA BRANCH | 570 S Wilson St | Vinita, OK |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/01/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74369 |
| State and County Number | 40035 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 106 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | https://www.welchstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 9472 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $433.97M |
| Total Deposits | $370.14M |
| Total Liabilities | $392.87M |
| Total Equity Capital | $41.10M |
| Net Income | $1.73M |
| Net Loans and Leases | $300.08M |
| Assets Per Employee ($Millions) | $4.13M |
| Bank Premises and Fixed Assets | $9.19M |
| Cash and Balances due from Depository Institutions | $10.78M |
| Deposits Held in Domestic Offices | $370.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.6% |
| Return on Equity (ROE) | 17.17% |
| Net Interest Margin | 4.79% |
| Efficiency Ratio | 68.1% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.472% |
| Earning Assets to total Assets | 91.51% |
Income and Expense
| Total Interest Income | $6.82M |
| Total Noninterest Income | $977.00k |
| Total Interest Expense | $2.06M |
| Total Noninterest Expense | $3.90M |
| Net Interest Income | $4.76M |
| Pre-tax Net Operating Income | $1.72M |
| Provision for Credit Losses | $105.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $618.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.68M |
| All Other Liabilities | $1.55M |
| Total Liabilities and Capital | $433.97M |
Securities
| Securities | $96.32M |
| Available-for-sale debt securities | $96.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Welch State Bank of Welch, Okla.?
$433.97M as of the latest filing.
How much are Welch State Bank of Welch, Okla.'s total deposits?
$370.14M in total deposits.
Where is Welch State Bank of Welch, Okla. located?
Welch, OK.
What is the Net Interest Margin?
4.79%.
How many domestic offices does it operate?
6.
When was it established?
10/01/1923.
What is the Return on Assets (ROA)?
1.6%.
How much are total loans and leases?
$300.08M (latest filing).
What is the total interest income (latest filing)?
$6.82M.