Welch State Bank of Welch, Okla.

Welch State Bank of Welch, Okla. is headquartered in Welch and is the 69^th largest bank in the state of Oklahoma. It is also the 3,068^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 57 employees at 3 locations. Welch State Bank of Welch, Okla. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Welch State Bank of Welch, Okla. FDIC Certificate # 9472 BankRate Report View Year Established 1923 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $203.89 million Loans $130.68 million Deposits $165.04 million Equity Capital $23.90 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $159,000 Historic Data - March 2011 Assets $204.91 million Equity Capital $20.86 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $120,000 Profit Margin - Quarterly Net Interest Margin 4.83% Return on Assets 1.84% Return on Equity 15.86% Interest Income $2.77 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Welch State Bank of Welch, Okla. had $1.33 million in non-current loans and owned real-estate with $26.84 million in equity and loan loss allowances on hand to cover it. This gives Welch State Bank of Welch, Okla. a Texas Ratio of 4.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Welch State Bank of Welch, Okla. decreased slightly from 6.40% as of March 31, 2011 to 4.96% as of March 31, 2012, resulting in a positive change of 22.58%.This indicates that the balance sheet and financial strength for Welch State Bank of Welch, Okla. has improved slightly in recent periods. Deposit Growth In the past year, Welch State Bank of Welch, Okla. has increased its total deposits by $4.29 million, resulting in 2.67% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Welch State Bank of Welch, Okla. has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Welch State Bank of Welch, Okla. has $203.88 million in assets with $26.84 million in equity, resulting in a capitalization level of 13.16%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.