BlastPoint's Banking Scorecard
Welch State Bank of Welch, Okla.
Micro
Specialty: Agricultural
OK
FDIC cert 9472
Designations: ✓ Community bank
Welch, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Welch State Bank of Welch, Okla. has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.38% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$434.0M
+5.6% YoY
+0.4% QoQ
|
+$216.5M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$300.1M
+8.6% YoY
+0.6% QoQ
|
+$160.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$370.1M
+4.1% YoY
+0.5% QoQ
|
+$186.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.44%
+14.5% YoY
+4.2% QoQ
|
+0.35% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
4.58%
+10.6% YoY
+1.7% QoQ
|
+0.73% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
68.84%
-2.6% YoY
-0.4% QoQ
|
+1.11% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.22%
-46.3% YoY
-28.3% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
81.07%
+4.3% YoY
+0.1% QoQ
|
+6.54% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
6.78%
-13.4% YoY
-11.3% QoQ
|
-15.61% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-44.8% YoY
-28.1% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.94%
+8.6% YoY
+30.8% QoQ
|
+0.38% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.94%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.78%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Total Deposits
Current: $370.1M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $434.0M · Tier avg: $217.5M
92
92th pctile
Total Loans
Current: $300.1M · Tier avg: $139.2M
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
81
81th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.85%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Efficiency Ratio
Current: 68.84% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.07% · Tier avg: 74.53%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.78% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.78% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.07% · Tier avg: 74.53%
43
43th pctile
Efficiency Ratio
Current: 68.84% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
72
72th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.08%
81
81th pctile
Net Interest Margin
Current: 4.58% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.56%
92
92th pctile
Total Loans
Current: $300.1M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $434.0M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $370.1M · Tier avg: $183.7M