Welch State Bank of Welch, Okla.: how it compares with its peers
Against 64 OK banks with half to twice its assets, Welch State Bank of Welch, Okla.'s strongest measure in Q2 2026 is net interest margin (4.87% vs. a 4.16% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $6.5M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.67% | 1.35% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.87% | 4.16% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.31% | 60.92% | Bottom third Ahead of 31% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $6.5M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.36% | 75.67% | Context |
What it means for lending operations
Its efficiency ratio of 67.31% is above the 60.92% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Watermark Bank Oklahoma City, OK · $451M
- The City National Bank and Trust Company of Lawton, Oklahoma Lawton, OK · $446M
- Local Bank Hulbert, OK · $463M
- The Citizens Bank of Edmond Edmond, OK · $432M
- Bank of Western Oklahoma Elk City, OK · $470M
- Exchange Bank and Trust Company Perry, OK · $429M
Questions about Welch State Bank of Welch, Okla.
How big is Welch State Bank of Welch, Okla.?
Welch State Bank of Welch, Okla., established in 1923, is headquartered in Welch, OK. It reported $450M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Welch State Bank of Welch, Okla.'s return on assets?
1.67% annualized in Q2 2026, against a 1.35% median for 64 OK banks with half to twice its assets, ahead of 69% of them.
What is Welch State Bank of Welch, Okla.'s efficiency ratio?
67.31% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is Welch State Bank of Welch, Okla. growing its loans?
Net loans grew 7.2% over the year to Q2 2026, while deposits grew 8.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.