Total Assets
$434M
Total balance-sheet footings
FDIC Cert #9472 · Welch, Oklahoma · Est. 1923
Welch State Bank of Welch, Okla. - FDIC Bank Health Profile
A community-scale look at Welch State Bank of Welch, Okla.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $434M
- Total assets
- B
- Health grade · Good
- 1.44%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Welch State Bank of Welch, Okla. earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.30% Tier 1, profitable at 1.44% ROA, 69% efficiency ratio.
- #1,974
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 10.30%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Welch State Bank of Welch, Okla.'s 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Welch State Bank of Welch, Okla.'s composite health score
Tier 1 Capital Ratio (10.30%) 28/40
Return on Assets (ROA) (1.44%) 20/25
Texas Ratio (1.42%) 20/20
Efficiency Ratio (68.84%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$370M
Customer-funded liabilities
Net Loans
$300M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Welch State Bank of Welch, Okla. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Welch State Bank of Welch, Okla.'s score of 76/100 falls in the highlighted band.
Welch State Bank of Welch, Okla.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Welch State Bank of Welch, Okla.'s $434M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.30%
Texas Ratio
1.42%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.44%
Return on Equity (ROE)
15.85%
Efficiency Ratio
68.84%
What the numbers say about Welch State Bank of Welch, Okla.
Welch State Bank of Welch, Okla. is an FDIC-insured institution (Certificate #9472) headquartered in Welch, Oklahoma, established in 1923. It holds $434M in total assets - 1,974th of 4,313 FDIC-insured banks, $370M in customer deposits, and $300M in net loans. Capital-wise, the Tier 1 ratio sits at 10.30%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.42%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Welch State Bank of Welch, Okla. sits 59th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$26M
Interest Income
$4M
Non-Interest Income
$15M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Welch State Bank of Welch, Okla. reports a Texas Ratio of 1.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Welch State Bank of Welch, Okla. (FDIC Cert #9472) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is Welch State Bank of Welch, Okla.'s health grade?▼
Welch State Bank of Welch, Okla. receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Welch State Bank of Welch, Okla.?▼
Welch State Bank of Welch, Okla. holds $434M in total assets and $370M in deposits, ranking 1,974th of 4,313 FDIC-insured banks by asset size. It is headquartered in Welch, Oklahoma.
Is my money safe at Welch State Bank of Welch, Okla.?▼
Yes, deposits at Welch State Bank of Welch, Okla. (Certificate #9472) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Welch State Bank of Welch, Okla.'s Tier 1 Capital Ratio?▼
Welch State Bank of Welch, Okla. has a Tier 1 Capital Ratio of 10.30%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Welch State Bank of Welch, Okla.?▼
Welch State Bank of Welch, Okla. has a Texas Ratio of 1.42%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Welch State Bank of Welch, Okla.?▼
Welch State Bank of Welch, Okla. has an Efficiency Ratio of 68.84%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Welch State Bank of Welch, Okla.'s profile as a depositor or analyst.
- Welch State Bank of Welch, Okla.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Welch State Bank of Welch, Okla. against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.