Our Officers

 Allison McGuire

Assistant Vice President, Allison McGuire, attended NEO A&M College and Oklahoma State University. She holds an A.S. degree in Agriculture and a B.S.A.G. in Agricultural Economics. Upon graduation from Welch Public School, she participated in Welch State Bank’s internship program before joining our team full time as a loan officer in January of 2017. Allison specializes in Ag, Commercial, Consumer, Municipal, and Real Estate loans.

E-Mail at: amcguire@welchstatebank.com Mortgage Loan Originator Number: 1584773

 

 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

 

 Ashley Smith

Assistant Vice President, Ashley Smith, graduated from Vinita High School in 2003. From there she attended NEO A&M College and is currently enrolled with UoP. Ashley joined our team in February of 2016 in our Loan Documentation Department and was quickly promoted to a Portfolio Manager in August of 2016. In August of 2018 Ashley was again promoted as a Loan Officer at our Steve Owens location. Ashley has lived in Welch area since 2003 and will continue to serve her community. She specializes in Consumer and Real Estate Lending.

Email at: asmith@welchstatebank.com Mortgage Loan Originator Number: 1776767

 

 Beth Lowery

Human Resource Officer, Beth A. Lowery, graduated from Welch High School and attended NEO A&M College.  She started her banking career in 1993 at Welch State Bank and returned to join our team in 2018 as Human Resource Officer.  Her experience in banking has been in lending, compliance, operations and human resources throughout her career.

Email at: blowery@welchstatebank.com 

 

 Brandy Mercer

Assistant Vice President, Brandy Mercer, graduated from Okeene Oklahoma and went on to attend Oklahoma State University and Southwestern Oklahoma State University. Brandy moved to Miami in 1994 and began her career in banking in 1995 when she was with Security Bank and Trust of Miami, OK. Brandy joined our team in August 1996 as a Teller and was quickly promoted to a Loan Secretary in November of 1996. Brandy processes consumer, commercial and mortgage loans. She also supervises our teller team.  

E-Mail at: bmercer@welchstatebank.com

This is an image of Brandy Mercer.

 

 Caleb Williamson

Assistant Vice President, Caleb Williamson, grew up in Baxter Springs. He graduated from Emporia State in 2010 with his bachelors in Health Promotions. Caleb joined our team in June 2017. He specializes in Consumer, Commercial, Ag, and Real Estate loans.  

E-Mail at: cwilliamson@welchstatebank.com
Mortgage Loan Originator Number: 1639460

This is an image of Caleb Williamson.

 

 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 since 2001 and worked 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

This is an image of Chad Johnson.

 

 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

This is an image of Charles Stoner.

 

 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 joined our team in August of 2014 as a teller and accepted the Credit Analyst position in August of 2015.

Email at: ccalvert@welchstatebank.com

This is an image of Chelsea Calvert.

 

 Cody Neal

Cody graduated in 2003 from Riverton High School in Riverton, Ks and he currently resides in Baxter Springs, KS and have been a lifetime resident of the southeast Kansas area. As soon as he graduated, he immediately began his career in the IT industry as a help desk technician. Cody has 16 years of experience in the IT industry and 9 of those were spent as an IT consultant/Network Engineer and 4 years as a Senior level consultant . Cody has acquired many IT certifications including Microsoft, CompTia and Vmware certifications.

E-Mail at: cneal@welchstatebank.com

This is an image of Cody Neal.

 

 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 our team in March of 2013. Darren specializes in Consumer Loans

E-Mail at: dtippit@welchstatebank.com
Mortgage Loan Originator Number: 1048442

This is an image of Darren Tippit.

 

 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 our team in 2000 and specializes in commercial and real estate loans.

E-Mail at: gwilliams@welchstatebank.com
Mortgage Loan Originator Number: 431652

This is an image of Gary Williams.

 

 James Victor

Senior Vice-President and Chief Information Officer, James (Jay) Victor, is a 1985 graduate of Oklahoma State University with a Bachelors Degree in Agriculture. Jay began his banking career in 1985 and has been with Welch State Bank since 1994. After 30 years of splitting his efforts between lending, information technology and operational issues, Jay is now managing the IT and Operations areas full time. Jay grew up on the family farm established by his great grandfather in 1891. Jay and his family still reside there today.

E-Mail at: jvictor@welchstatebank.com
Mortgage Loan Originator Number: 431656

This is an image of James (Jay) Victor.

 

 James Stoner

President, James Stoner, is a graduate of NEO A&M and Oklahoma State University. James joined our team in 1995. He specializes in commercial loans.

E-Mail at: jstoner@welchstatebank.com
Mortgage Loan Originator Number: 431660

This is an image of James Stoner.

 

 Justin Colby

Assistant Vice President, Justin Colby, graduated from Bluejacket High School. He is a lifetime resident of Northeastern Oklahoma and currently lives in Afton. Justin joined our team in August of 2016. Justin has been in the finance, sales and customer service industry for over 10 years. Justin specializes in Consumer loans.  

E-Mail at: jcolby@welchstatebank.com
Mortgage Loan Originator Number: 1535054

This is an image of Justin Colby.

 

 Katie Fletcher

Marketing Officer, Katie Fletcher, grew up in Fairland and graduated from Grove High School in 2007. She then attended Northeastern State University and Northern Oklahoma College. Katie joined our team in May of 2015 as a New Accounts Representative and in February of 2017 she accepted the position as Marketing Officer. Katie currently lives in Afton and she has over 10 years of banking and customer service experience.  

E-Mail at: kfletcher@welchstatebank.com

This is an image of Katie Fletcher.

 

 Kellie Garber

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

This is an image of Kelli Garber.

 

 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 our team in 1990 and specializes in commercial and real estate loans.

E-Mail at: kbullard@welchstatebank.com
Mortgage Loan Originator Number: 431650

This is an image of Kevin Bullard.

 

 Kristen Kuehn

Assistant Vice President, Kristen Kuehn, holds a degree in Finance from Wichita State University with a Bachelors in Finance. After college Kristen worked as an Accountant for nine years before joining our team as a Loan Officer in June 2016. Originally from Welch, she now resides outside of South Coffeyville. Kristen specializes in Consumer, Commercial, Ag, and Real Estate loans. 

 E-Mail at: kkuehn@welchstatebank.com
Mortgage Loan Originator Number: 1507051

This is an image of Kristen Kuehn.

 

 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 came to Welch State Bank in February 2009. He is a 2015 graduate from the Graduate School of Banking of Colorado. Matt specializes in FSA, agricultural lending as well as family owned business lending.

E-Mail at: mboston@welchstatebank.com
Mortgage Loan Originator Number: 431654

This is an image of Matt Boston.

 

 Sarah Key

Vice President/Branch Manager, Sarah Key, is a 1999 graduate of Oklahoma Union Public School. She currently resides in South Coffeyville and is a lifetime resident of Nowata County. Sarah joined Welch State Bank in September of 2017 with 14 years of banking experience and is our Branch Manager for our South Coffeyville Location

E-Mail at: skey@welchstatebank.com
Mortgage Loan Originator Number: 640518

This is an image of Sarah Key.

 

 Sherri Mount

Vice President, Sherri Mount, 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 our team in January 1994. Sherri specializes in leasing and consumer/commercial loans.

E-Mail at: smount@welchstatebank.com
Mortgage Loan Originator Number: 431653

This is an image of Sherri Mount.

 

 Tammie Harris

Assistant Vice President, Tammie Harris, grew up in Welch graduated from Welch High School and then attended NEO A&M College. Tammie joined our team in February of 1994. She specializes in Municipal Leasing and manages the Overdraft Privilege Program and assist in other departments. Tammie continues to live and farm in Welch.  

E-Mail at: tharris@welchstatebank.com

This is an image of Tammie Harris.

 

 Tara Stewart

Assistant Vice President, Tara Stewart, attended Coffeyville Community College and graduated with an AA degree. She then completed her education at Pittsburg State University obtaining a Bachelors of Business Administration in Finance. Tara grew up on her parent’s farm and ranch in Southeast Kansas and she currently lives in that area. Tara joined our team in January of 2014 and comes with 12 years banking experience. Tara specializes in Consumer, Commercial, Ag, and Real Estate loans.

E-Mail at: tstewart@welchstatebank.com
Mortgage Loan Originator Number: 1157797

This is an image of Tara Stewart.

 

 Taylor Dry

Compliance/ BSA Officer, Taylor Dry, grew up in Miami, OK where her family owned and operated a successful business from 1972 until closing the doors in 2007. She graduated from Miami High School in 2011. Taylor joined our team in February of 2015 as our Compliance Assistant and accepted the Compliance/BSA Officer position in December of 2017. Taylor has been in customer service since 2007. She obtained her certifications as a BSA/AML Professional and Community Bank Compliance Officer through ICBA’s Certification Program.

E-Mail at: tdry@welchstatebankcom

This is an image of Taylor Dry.

 

 Teresa Patrick

Cashier, Teresa Patrick, is a Bluejacket native and graduated from Bluejacket High School. She joined our team in November 1990 as a teller and was quickly promoted to Head Teller. Her responsibilities grew to include new account opening, bookkeeping, reconciliation and accounting. Teresa accepted the position of Cashier in 2015. Her principal responsibilities include bank accounting, general ledger and pledges.  

E-Mail at: tpatrick@welchstatebank.com

This is an image of Teresa Patrick.

 

 Terra Neal

Vice President & Branch manager, Terra Neal, attended NEO A & M College in Miami Oklahoma. She joined our team 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

This is an image of Terra Neal.

 

 Tina Tristan

Vice President, Tina Tristan, is a graduate of Northeastern State University and NEO A&M College. She holds degrees in Sociology and Business Administration. Tina joined our team in December 2008. She specializes in online and electronic banking services, including Online Banking, Mobile Banking, Remote Capture, and Cash Management services.  

E-Mail at: ttristan@welchstatebank.com

This is an image of Tina Tristan.

 

 

Allison McGuire

This is an image of Allison McGuire.

Assistant Vice President, Allison McGuire, attended NEO A&M College and Oklahoma State University. She holds an A.S. degree in Agriculture and a B.S.A.G. in Agricultural Economics. Upon graduation from Welch Public School, she participated in Welch State Bank’s internship program before joining our team full time as a loan officer in January of 2017. Allison specializes in Ag, Commercial, Consumer, Municipal, and Real Estate loans.

E-Mail at: amcguire@welchstatebank.com Mortgage Loan Originator Number: 1584773

Arthur Cousatte

This is an image of 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

Ashley Smith

This is an image of Ashley Smith

Assistant Vice President, Ashley Smith, graduated from Vinita High School in 2003. From there she attended NEO A&M College and is currently enrolled with UoP. Ashley joined our team in February of 2016 in our Loan Documentation Department and was quickly promoted to a Portfolio Manager in August of 2016. In August of 2018 Ashley was again promoted as a Loan Officer at our Steve Owens location. Ashley has lived in Welch area since 2003 and will continue to serve her community. She specializes in Consumer and Real Estate Lending.

Email at: asmith@welchstatebank.com Mortgage Loan Originator Number: 1776767

Beth Lowery

This is an image of Beth Lowery
Human Resource Officer, Beth A. Lowery, graduated from Welch High School and attended NEO A&M College.  She started her banking career in 1993 at Welch State Bank and returned to join our team in 2018 as Human Resource Officer.  Her experience in banking has been in lending, compliance, operations and human resources throughout her career.

Email at: blowery@welchstatebank.com

Brandy Mercer

This is an image of Brandy Mercer.

Assistant Vice President, Brandy Mercer, graduated from Okeene Oklahoma and went on to attend Oklahoma State University and Southwestern Oklahoma State University. Brandy moved to Miami in 1994 and began her career in banking in 1995 when she was with Security Bank and Trust of Miami, OK. Brandy joined our team in August 1996 as a Teller and was quickly promoted to a Loan Secretary in November of 1996. Brandy processes consumer, commercial and mortgage loans. She also supervises our teller team.

E-Mail at: bmercer@welchstatebank.com

Caleb Williamson

This is an image of Caleb Williamson.

Assistant Vice President, Caleb Williamson, grew up in Baxter Springs. He graduated from Emporia State in 2010 with his bachelors in Health Promotions. Caleb joined our team in June 2017. He specializes in Consumer, Commercial, Ag, and Real Estate loans.

E-Mail at: cwilliamson@welchstatebank.com Mortgage Loan Originator Number: 1639460

Chad Johnson

This is an image of 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 since 2001 and worked 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

Charles Stoner

This is an image of 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

Chelsea Calvert

This is an image of 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 joined our team in August of 2014 as a teller and accepted the Credit Analyst position in August of 2015.

Email at: ccalvert@welchstatebank.com

Cody Neal

This is an image of Cody Neal

Cody graduated in 2003 from Riverton High School in Riverton, Ks and he currently resides in Baxter Springs, KS and have been a lifetime resident of the southeast Kansas area. As soon as he graduated, he immediately began his career in the IT industry as a help desk technician. Cody has 16 years of experience in the IT industry and 9 of those were spent as an IT consultant/Network Engineer and 4 years as a Senior level consultant . Cody has acquired many IT certifications including Microsoft, CompTia and Vmware certifications.

Email at: cneal@welchstatebank.com

Darren Tippit

This is an image of 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 our team in March of 2013. Darren specializes in Consumer Loans

E-Mail at: dtippit@welchstatebank.com Mortgage Loan Originator Number: 1048442

Gary Williams

This is an image of 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 our team in 2000 and specializes in commercial and real estate loans.

E-Mail at: gwilliams@welchstatebank.com Mortgage Loan Originator Number: 431652

James Victor

This is an image of James Victor.

Senior Vice-President and Chief Information Officer, James (Jay) Victor, is a 1985 graduate of Oklahoma State University with a Bachelors Degree in Agriculture. Jay began his banking career in 1985 and has been with Welch State Bank since 1994. After 30 years of splitting his efforts between lending, information technology and operational issues, Jay is now managing the IT and Operations areas full time. Jay grew up on the family farm established by his great grandfather in 1891. Jay and his family still reside there today.

E-Mail at: jvictor@welchstatebank.com Mortgage Loan Originator Number: 431656

James Stoner

This is an image of James Stoner.

President, James Stoner, is a graduate of NEO A&M and Oklahoma State University. James joined our team in 1995. He specializes in commercial loans.

E-Mail at: jstoner@welchstatebank.com Mortgage Loan Originator Number: 431660

Justin Colby

This is an image of Justin Colby.

Assistant Vice President, Justin Colby, graduated from Bluejacket High School. He is a lifetime resident of Northeastern Oklahoma and currently lives in Afton. Justin joined our team in August of 2016. Justin has been in the finance, sales and customer service industry for over 10 years. Justin specializes in Consumer loans.

E-Mail at: jcolby@welchstatebank.com Mortgage Loan Originator Number: 1535054

Katie Fletcher

This is an image of Katie Fletcher.

Marketing Officer, Katie Fletcher, grew up in Fairland and graduated from Grove High School in 2007. She then attended Northeastern State University and Northern Oklahoma College. Katie joined our team in May of 2015 as a New Accounts Representative and in February of 2017 she accepted the position as Marketing Officer. Katie currently lives in Afton and she has over 10 years of banking and customer service experience.

E-Mail at: kfletcher@welchstatebank.com

Kellie Garber

This is an image of Kellie Garber.

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

Kevin Bullard

This is an image of 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 our team in 1990 and specializes in commercial and real estate loans.

E-Mail at: kbullard@welchstatebank.com Mortgage Loan Originator Number: 431650

Kristen Kuehn

This is an image of Kristen Kuehn.

Assistant Vice President, Kristen Kuehn, holds a degree in Finance from Wichita State University with a Bachelors in Finance. After college Kristen worked as an Accountant for nine years before joining our team as a Loan Officer in June 2016. Originally from Welch, she now resides outside of South Coffeyville. Kristen specializes in Consumer, Commercial, Ag, and Real Estate loans.

 E-Mail at: kkuehn@welchstatebank.com Mortgage Loan Originator Number: 1507051

Matt Boston

This is an image of 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 came to Welch State Bank in February 2009. He is a 2015 graduate from the Graduate School of Banking of Colorado. Matt specializes in FSA, agricultural lending as well as family owned business lending.

E-Mail at: mboston@welchstatebank.com Mortgage Loan Originator Number: 431654

Sarah Key

This is an image of Sarah Key.

Vice President/Branch Manager, Sarah Key, is a 1999 graduate of Oklahoma Union Public School. She currently resides in South Coffeyville and is a lifetime resident of Nowata County. Sarah joined Welch State Bank in September of 2017 with 14 years of banking experience and is our Branch Manager for our South Coffeyville Location

E-Mail at: skey@welchstatebank.com Mortgage Loan Originator Number: 640518

Sherri Mount

This is an image of Sherri Mount.

Vice President, Sherri Mount, 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 our team in January 1994. Sherri specializes in leasing and consumer/commercial loans.

E-Mail at: smount@welchstatebank.com Mortgage Loan Originator Number: 431653

Tammie Harris

This is an image of Tammie Harris.

Assistant Vice President, Tammie Harris, grew up in Welch graduated from Welch High School and then attended NEO A&M College. Tammie joined our team in February of 1994. She specializes in Municipal Leasing and manages the Overdraft Privilege Program and assist in other departments. Tammie continues to live and farm in Welch.

E-Mail at: tharris@welchstatebank.com

Tara Stewart

This is an image of Tara Stewart.

Assistant Vice President, Tara Stewart, attended Coffeyville Community College and graduated with an AA degree. She then completed her education at Pittsburg State University obtaining a Bachelors of Business Administration in Finance. Tara grew up on her parent’s farm and ranch in Southeast Kansas and she currently lives in that area. Tara joined our team in January of 2014 and comes with 12 years banking experience. Tara specializes in Consumer, Commercial, Ag, and Real Estate loans.

E-Mail at: tstewart@welchstatebank.com Mortgage Loan Originator Number: 1157797

Taylor Dry

This is an image of Taylor Dry.

Compliance/ BSA Officer, Taylor Dry, grew up in Miami, OK where her family owned and operated a successful business from 1972 until closing the doors in 2007. She graduated from Miami High School in 2011. Taylor joined our team in February of 2015 as our Compliance Assistant and accepted the Compliance/BSA Officer position in December of 2017. Taylor has been in customer service since 2007. She obtained her certifications as a BSA/AML Professional and Community Bank Compliance Officer through ICBA’s Certification Program.

E-Mail at: tdry@welchstatebank.com

Teresa Patrick

This is an image of Teresa Patrick.

Cashier, Teresa Patrick, is a Bluejacket native and graduated from Bluejacket High School. She joined our team in November 1990 as a teller and was quickly promoted to Head Teller. Her responsibilities grew to include new account opening, bookkeeping, reconciliation and accounting. Teresa accepted the position of Cashier in 2015. Her principal responsibilities include bank accounting, general ledger and pledges.

E-Mail at: tpatrick@welchstatebank.com

Terra Neal

This is an image of Terra Neal.

Vice President & Branch manager, Terra Neal, attended NEO A & M College in Miami Oklahoma. She joined our team 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

Tina Tristan

This is an image of Tina Tristan.

Vice President, Tina Tristan, is a graduate of Northeastern State University and NEO A&M College. She holds degrees in Sociology and Business Administration. Tina joined our team in December 2008. She specializes in online and electronic banking services, including Online Banking, Mobile Banking, Remote Capture, and Cash Management services.

E-Mail at: ttristan@welchstatebank.com

Lender - Steve Owens Location - Miami, OK This position is responsible for discussing client's needs to recommend the best loan products for them while also effectively promoting the sale of bank products and services. The ideal candidate will be an outgoing, enthusiastic self-starter, and have excellent attendance. Candidate will also pursue new loan and deposit relationships as well as maintain or enhance existing relationships. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Portfolio Manager | Welch Location | Welch, OK

This position is responsible for assisting our Loan Officers in preparing loan documentation and other various assisting duties.

The ideal candidate will be self‐motivated, confident, detail‐oriented, and analytical. They must also have the ability to multi‐task and manage time effectively while having professional demeanor, personal integrity, and have excellent attendance.

Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | blowery@welchstatebank.com   Full-Time Teller | Welch Location | Welch, OK This position is responsible for building strong customer relationships by providing outstanding customer service, effectively promoting the sale of bank products and services, and accurate teller transaction processing. The ideal candidate will be an enthusiastic self starter, have excellent attendance, possess outstanding customer service skills and have an eye for detail. Retail sales and cash handling experience preferred. Please contact Beth Lowery at 918-788-3373 , stop by for an application or send resume to: Welch State Bank Attn: Beth Lowery | PO Box 129 | Welch, OK 74369 | employment@welchstatebank.com