Our Loan Officers


 Charles Stoner

Charles Stoner is the Chairman of the Board and holds a degree from Northeastern Oklahoma A&M College and is a graduate of the Madison, Wisconsin Graduate School of Banking. Mr. Stoner has been in banking since 1959 and at the Welch State Bank since 1962.

E-Mail at : cstoner@welchstatebank.com

Mortgage Loan Originator Number: 431661


 Arthur Cousatte

Vice Chairman of the Board and CEO Arthur Cousatte is a graduate of NEO A&M College and attended Trust School in Dallas. Mr. Cousatte has been in banking since 1965. He spent four years at the Bank of Quapaw and Wyandotte State Bank, and twenty-nine years at Security Bank & Trust in Miami, Oklahoma. Arthur joined the bank in 1997.

E-Mail at : acousatte@welchstatebank.com

Mortgage Loan Originator Number: 431651


 James (Jay) Victor

James (Jay) Victor is a Senior Vice President. He is a graduate of Oklahoma State University in Stillwater with a Bachelors Degree in Agriculture. Jay grew up on a family farm in Afton and specializes in loans involving cow-calf, stocker, dairy, poultry, and crop production. Jay began his career in finance in 1985 and has been with Welch State Bank since 1994.

E-Mail at : jvictor@welchstatebank.com

Mortgage Loan Originator Number: 431656


 James Stoner

President James Stoner is a graduate of NEO A&M and OSU. James joined the bank in 1995. James specializes in commercial loans.

E-Mail at : jstoner@welchstatebank.com

Mortgage Loan Originator Number: 431660


 Kevin Bullard

Executive Vice President Kevin Bullard is a graduate of the National Commercial Lending School and the Jack T. Conn Graduate School of Community Banking. Kevin joined the bank in 1990 and specializes in commercial and real estate loans.

E-Mail at : kbullard@welchstatebank.com

Mortgage Loan Originator Number: 431650


 Gary Williams

Senior Vice President Gary Williams holds a business degree from Northeastern Oklahoma A&M College. He is a graduate of the National Commercial Lending School and has been in banking since 1971. Gary joined the bank in 2000 and specializes in commercial and real estate loans.

E-Mail at : gwilliams@welchstatebank.com

Mortgage Loan Originator Number: 431652


 Sherri Mount

Sherri Mount is a Vice President. She holds an A.A. degree in Accounting from NEO A&M College and a B.S.B.A. in Accounting from the University of Tulsa. She joined the bank in January 1994. Sherri specializes in leasing and consumer/commercial loans.

E-Mail at : smount@welchstatebank.com

Mortgage Loan Originator Number: 431653


 Terra Neal

Vice President/Marketing Officer Terra Neal, attended NEO A & M College in Miami Oklahoma. She joined the bank in 2004 as a teller then in 2007 transferred as a new account representative and loan secretary, in January of 2009 she accepted the position of loan officer, marketing officer and municipal leasing. Terra is a 2011 graduate of ABA School of Bank Marketing and Management.

E-Mail at : tneal@welchstatebank.com

Mortgage Loan Originator Number: 431659


 Matt Boston

Senior Vice President and Chief Lending Officer Matt Boston obtained a Masters Degree in Business Administration from Oklahoma Baptist University in 2008. Matt worked for Oklahoma Baptist Homes for Children before coming to work for Welch State Bank in February 2009. He specializes in FSA, agricultural lending as well as family owned business lending.

E-Mail at : mboston@welchstatebank.com

Mortgage Loan Originator Number: 431654


 Darren Tippit

Assistant Vice President Darren Tippit, a lifetime resident of Miami and a Graduate of NEO A&M College in Miami, Oklahoma.  Previously Darren worked for Airgas USA LLC for 14 years in sales and customer service.  He joined the bank in March of 2013.

E-Mail at : dtippit@welchstatebank.com

 Mortgage Loan Originator Number: 1048442


 Chad Johnson

Vice-President Chad Johnson, obtained a general construction degree from North Arkansas Community College 1995. He graduated from Arkansas Tech University with a Bachelors degree in Agriculture Finance in May 1999. After college he worked in the poultry industry. He has lived in the Welch area for 10 years working in the cattle business before joining the bank in 2011 and still continuing in the cattle business.

E-Mail at : cjohnson@welchstatebank.com

Mortgage Loan Originator Number: 637895


 Diana Forth

Branch Manager, Diana Forth, attended St John’s Lutheran College in Winfield, Kansas. Diana has been at the South Coffeyville location since 1998 serving as new accounts representative and loan officer.

E-Mail at : dforth@welchstatebank.com

Mortgage Loan Originator Number: 440203


 Tara Stewart

 Tara Stewart attended Coffeyville Community College. She graduated with an AA degree.  She then completed her education at Pittsburg State University obtaining a Bachelors of Business Administration in Finance.  Tara comes to Welch State Bank with 12 years banking experience. 

E-Mail at : tstewart@welchstatebank.com

Mortgage Loan Originator Number: 1157797


 Cynthia Engle

Assistant Vice President Cynthia Engle, attended NEO A&M for 2 years graduated and then went to PSU. She graduated with a BSBA in Business Administration majoring in finance and minor in Economics.  Cynthia moved to Kansas City area and lived there for 20+ years and worked in the banking industry: American Bank-AVP_Indirect Lending, Banc One-Credit Manager-Indirect Lending and Bank of America-Vice President-Commercial Assets Division.

Email at : cengle@welchstatebank.com

Mortgage Loan Originator Number: 1138941


 Kellie Garber

Assistant Vice President, Kellie Garber attended NEO A & M College in Miami, Oklahoma and Metropolitan College of Legal Studies in Tulsa, Oklahoma. Kellie has been in banking for 15 years. She spent 4 years at Oklahoma State Bank in Vinita, Oklahoma and the last 11 years at The First National Bank and Trust Company of Miami. Kellie joined Welch State Bank in October of 2015 and specializes in Consumer, Commercial and Real Estate loans.

E-Mail at : kgarber@welchstatebank.com

Mortgage Loan Originator Number: 764758



 Chelsea Calvert

Credit Analyst, Chelsea Calvert, obtained an Associates Degree from NEO A&M College in 2011 and finished with a Bachelors Degree in General Agriculture from Missouri State University in 2014. Originally from Rocky Comfort, Missouri, she moved to Miami in 2010 to attend school. She started at WSB in August of 2014 as a teller and accepted the Credit Analyst position in August of 2015.

Email at : ccalvert@welchstatebank.com




 Kristen Kuehn

Assistant Vice President, Kristen Kuehn, holds an A.A. in Accounting from Cowley Co. Community College and B.B.A in Finance from Wichita State University. She has worked as an Accountant for Creekstone Farms Premium Beef for 1 year, Craig General Hospital for 4 years, and most recently Coffeyville Resources for 5 years. Originally from Welch, she now resides outside of South Coffeyville where her and her husband farm and run a cow/calf operation.  

E-Mail at : kkuehn@welchstatebank.com

Mortgage Loan Originator Number: 1507051