BlastPoint's Banking Scorecard

Welch State Bank of Welch, Okla.

$100M-$1B Specialty: Agricultural OK FDIC cert 9472

Welch, OK

6 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +8.3% year over year ($394.6M on the books).
Delinquency rate 0.37%.
Return on assets 1.67%.
Efficiency ratio 67.31% vs a 64.48% peer average.
Loan-to-deposit ratio 78.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Welch State Bank of Welch, Okla. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 40.5% in tier
+ ROA 0.35% above tier average
+ Net Interest Margin 0.88% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 2.83% above tier average

Get updates when Welch State Bank of Welch, Okla. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$449.8M +7.2% YoY +1.7% QoQ	+$63.2M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$309.2M +7.2% YoY +0.8% QoQ	+$50.9M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$394.6M +8.3% YoY +3.6% QoQ	+$67.9M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.67% +30.9% YoY +0.2% QoQ	+0.35%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	4.87% +10.5% YoY +0.9% QoQ	+0.88%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 10.6% in tier
Efficiency Ratio ?	67.31% -5.3% YoY +0.3% QoQ	+2.83%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.37% -33.3% YoY +74.1% QoQ	-0.55%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	78.36% -1.0% YoY -2.7% QoQ	+0.41%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	13.74% +68.8% YoY +87.2% QoQ	-8.29%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.25% -33.2% YoY +72.6% QoQ	-0.42%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	10.20% -1.0% YoY +0.4% QoQ	-5.71%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 12.9% in tier
Non-Interest Income / Assets ?	0.48% -4.6% YoY +96.8% QoQ	-0.09%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 10.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	13.7% +5.6pp YoY +6.4pp QoQ	-8.4pp	22.1%	23.9%	22.2%	19%
Brokered Deposits	16.3% +2.1pp YoY +2.0pp QoQ	+8.4pp	7.9%	9.7%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	11.7% +2.5pp YoY -0.3pp QoQ	+0.2pp	11.6%	15.7%	12.5%	62%
CRE	14.4% +1.9pp YoY +0.4pp QoQ	-25.2pp	39.5%	42.0%	41.4%	10%
1-4 Family	24.2% -3.1pp YoY -0.4pp QoQ	-8.4pp	32.6%	24.0%	31.3%	39%
Consumer	7.9% 0.0pp YoY 0.0pp QoQ	+3.8pp	4.1%	5.6%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	10.2% -0.1pp YoY 0.0pp QoQ	-2.0pp	12.2%	11.7%	12.6%	36%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	108 +8 (+8.0%) YoY +3 (+2.9%) QoQ	+49	58	150	482	89%
Assets per Employee ($)	$4.2M -0.7% YoY -1.2% QoQ	-$3.4M	$7.5M	$6.5M	$8.8M	6%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.3pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.9%	0.4%	9%
Nonaccrual	0.4% +0.1pp YoY +0.2pp QoQ	-0.6pp	0.9%	1.5%	1.0%	44%
Allowance Coverage	4.37x +46.5% YoY -42.8% QoQ	-19.78x	24.15x	61.99x	20.23x	67%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	0.0pp	0.1%	0.2%	0.2%	79%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	17.9% +3.5pp YoY -0.1pp QoQ	+5.7pp	12.2%	11.9%	11.6%	81%
Cost of Funds (YTD)	2.0% 0.0pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	68%
Net Income ($, YTD)	$3.7M +38.4% YoY — QoQ	+$1.1M	$2.6M	$8.7M	$40.4M	77%

Get Full Access to Welch State Bank of Welch, Okla.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#269 of 661 • Top 40.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.48%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.67%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

269

Non-Interest Income / Assets

revenue_mix

Value: 0.48%

Peer Median: 0.57%

#269 of 2643 Top 10.1% in $100M-$1B

280

Net Interest Margin

profitability

Value: 4.87%

Peer Median: 3.99%

#280 of 2643 Top 10.6% in $100M-$1B

Top Weaknesses (2 metrics)

2302

Tier 1 Capital Ratio

capital

Value: 10.20%

Peer Median: 15.91%

#2302 of 2643 Bottom 12.9% in $100M-$1B

2119

Non-Interest-Bearing Deposit Share

funding

Value: 13.74%

Peer Median: 22.03%

#2119 of 2643 Bottom 19.9% in $100M-$1B