Compared with Oklahoma
7 of 15
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
95th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 15 compared; 5 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Welch State Bank of Welch, Okla. at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Welch State Bank of Welch, Okla.'s published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (95th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $399K in Q2 2026, 13% above the same quarter a year earlier ($354K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
7 of 15 compared published fees sit above the Oklahoma median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5.58, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.6% from Q3 2025 to Q2 2026, to $399K. Its share of revenue, 6.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$399K
Welch State Bank of Welch, Okla.Median
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $15.77; we compare the midpoint.
Welch State Bank of Welch, Okla. · $450M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Welch State Bank of Welch, Okla.(this institution) | Welch, OK | $450M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliance Bank | Francesville, IN | $455M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Better Banks | Peoria, IL | $446M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citizens State Bank | Lena, IL | $453M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Exchange Bank of Missouri | Fayette, MO | $454M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frontier Bank | Lamar, CO | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hometown Bank of Pennsylvania | Bedford, PA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Bank | Honor, MI | $443M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JONES BANK | Seward, NE | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local Bank | Hulbert, OK | $463M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meade County Bank | Brandenburg, KY | $458M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Morgantown Bank & Trust Company, Incorporated | Morgantown, KY | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| NobleBank & Trust | Anniston, AL | $444M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Brookfield Savings Bank | North Brookfield, MA | $449M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oostburg State Bank | Oostburg, WI | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Alliance Bank | San Gabriel, CA | $454M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Bank | Millington, TN | $451M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| RiverHills Bank | Vicksburg, MS | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Spring Bank | Brookfield, WI | $441M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Bank of Clovis | Clovis, NM | $438M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Bippus State Bank | Huntington, IN | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens State Bank | Moundridge, KS | $451M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Denison State Bank | Holton, KS | $454M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Hometown Savings Bank | Terre Haute, IN | $456M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The National Grand Bank of Marblehead | Marblehead, MA | $445M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The St. Henry Bank | St. Henry, OH | $436M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.58, the middle of its four prices, against a peer median of $6.48 among 10 publishing peers.
Its four checking prices are $0, $5.16, $6 and $15.77.
$5.58 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Welch State Bank of Welch, Okla. (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $399K | +$40K | +11.1% |
| Q1 2026 | $359K | −$20K | −5.3% |
| Q4 2025 | $379K | −$10K | −2.6% |
| Q3 2025 | $389K | +$35K | +9.9% |
| Q2 2025 | $354K | −$1K | −0.3% |
| Q1 2025 | $355K | −$4K | −1.1% |
| Q4 2024 | $359K | +$16K | +4.7% |
| Q3 2024 | $343K | +$41K | +13.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Welch State Bank of Welch, Okla. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Welch State Bank of Welch, Okla. by share.
Amounts from Welch State Bank of Welch, Okla.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per month
per item
one time
per year
per year
per year
per year
per year
per year
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee .No Charge (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $5.16Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Tiered Interest Checking Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Tiered Interest Checking Monthly service charge (audience not stated, treated as personal) | $15.77Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Minimum (audience not stated, treated as personal) | $26.71Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly service charge for mailed paper statements (audience not stated, treated as personal) | $6.29Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Temporary Statements | $4.16Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
Overdraft & NSF | |||
| Continuous Overdraft Charge daily limit not to exceed (audience not stated, treated as personal) | $3.29Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| NSF/OD Fees Daily Cap | $179.82Above the U.S. middle 50% ($100 to $161.25 nationally) | per day | Daily limit not to exceed |
ATM & Card | |||
| ATM or Check Card Replacement Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER: Outgoing (audience not stated, treated as personal) | $17.54Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFER: Incoming (audience not stated, treated as personal) | $8.04Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign Wire – Outgoing | $62.49Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Pay Fee | $32.47Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| One-Time/Same-Day ACH Fee | $14Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
Cash & Deposit | |||
| Cash Advance Fee (audience not stated, treated as personal) | $14Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Service (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Both Keys Lost- Cost to Drill the Box | $125Not compared: Box drilling or key fee | Not stated | None |
| Late Fee - 30 days after due date | $10Not compared: Box drilling or key fee | Not stated | None |
| One Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $49.59Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” x 20” (audience not stated, treated as personal) | $109.59Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $24.59Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $21.59Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $36.59Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $29.59Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Lending Fees | |||
| Late Fee (audience not stated, treated as personal) | $24Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Fax Each Additional Page | $1.27Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Incoming | $1.27Not compared: Charged per page; comparison unavailable | per page | None |
| Fax Outgoing (audience not stated, treated as personal) | $5.29Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Extra Lien Release . .. . | $24.49Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per day · Daily limit not to exceed
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | No charge | per month | None |
| Service charge | $5.16Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Temporary Statements | $4.16Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
Overdraft & NSF | |||
| NSF/OD Fees Daily Cap | $179.82Above the U.S. middle 50% ($100 to $161.25 nationally) | per day | Daily limit not to exceed |
Wire Transfers | |||
| Foreign Wire – Outgoing | $62.49Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Pay Fee | $32.47Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| One-Time/Same-Day ACH Fee | $14Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
Account Services | |||
| Both Keys Lost- Cost to Drill the Box | $125Not compared: Box drilling or key fee | Not stated | None |
| Late Fee - 30 days after due date | $10Not compared: Box drilling or key fee | Not stated | None |
| One Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Fax Each Additional Page | $1.27Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Incoming | $1.27Not compared: Charged per page; comparison unavailable | per page | None |
| Extra Lien Release . .. . | $24.49Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Welch State Bank of Welch, Okla. operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state, $394.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 6 | $394.6M |
Largest competitors nearby
Local market: Ottawa, Craig and Mayes counties, OK, where it holds the most deposits.
| 15 in its local market | Deposit share |
|---|---|
| RCB Bank | 21.7% |
| Arvest Bank | 11.5% |
| BancFirst | 11.2% |
| The First National Bank and Trust Company of Miami | 8.1% |
| Security Bank and Trust Company | 7.2% |
This bank holds 17.6% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.