BlastPoint's Banking Scorecard
Welch State Bank of Welch, Okla.
Welch, OK
6 branches across OK
Welch State Bank of Welch, Okla. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 38.1% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.89% above tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.4% in tier
- - Non-Interest-Bearing Deposit Share 14.68% below tier average
- - Efficiency Ratio 1.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.4M
+4.5% YoY
+1.9% QoQ
|
+$56.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$306.7M
+10.0% YoY
+2.2% QoQ
|
+$51.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$380.8M
+3.4% YoY
+2.9% QoQ
|
+$52.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.67%
+16.2% YoY
+15.9% QoQ
|
+0.40% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.83%
+10.5% YoY
+5.3% QoQ
|
+0.89% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 10.5% in tier |
| Efficiency Ratio ? |
67.13%
-2.8% YoY
-2.5% QoQ
|
+1.84% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.21%
-70.1% YoY
-3.4% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
80.54%
+6.3% YoY
-0.7% QoQ
|
+3.90% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
7.34%
-7.5% YoY
+8.2% QoQ
|
-14.68% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.2% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-68.6% YoY
-3.1% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
10.16%
-1.2% YoY
-1.3% QoQ
|
-5.67% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.6% in tier |
| Non-Interest Income / Assets ? |
0.24%
-10.4% YoY
-74.4% QoQ
|
-0.04% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 9.6% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.