Our Officers-old


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: 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: 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: 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.

Brandy Mercer

Vice President/Loan Operations Manager, 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.

Caleb Williamson

Assistant Vice President/Branch Manager, 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: cwilliamson@welchstatebank.com    Mortgage Loan Originator Number: 1639460

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: cjohnson@welchstatebank.com     Mortgage Loan Originator Number: 637895

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: cstoner@welchstatebank.com       Mortgage Loan Originator Number: 431661

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.

Cody Neal

Cody Neal, Network Administrator, graduated in 2003 from Riverton High School in Riverton, Ks and he currently resides in Baxter Springs, KS and has 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 been in the IT industry since 2002 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.

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: dtippit@welchstatebank.com      Mortgage Loan Originator Number: 1048442

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: gwilliams@welchstatebank.com      Mortgage Loan Originator Number: 431652

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: jvictor@welchstatebank.com      Mortgage Loan Originator Number: 431656

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: jstoner@welchstatebank.com    Mortgage Loan Originator Number: 431660

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 since 2006. Justin specializes in Consumer loans.

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

Katie Fletcher

Assistant Vice President/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 has been in the customer service and banking industry since 2006. She joined our team in May of 2015 as a New Accounts Representative and in February of 2017 accepted the position of Marketing Officer.

Kelli 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: kgarber@welchstatebank.com   Mortgage Loan Originator Number: 764758

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: kbullard@welchstatebank.com    Mortgage Loan Originator Number: 431650

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: kkuehn@welchstatebank.com   Mortgage Loan Originator Number: 1507051

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: mboston@welchstatebank.com   Mortgage Loan Originator Number: 431654

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: skey@welchstatebank.com  Mortgage Loan Originator Number: 640518

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: smount@welchstatebank.com   Mortgage Loan Originator Number: 431653

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.

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: tstewart@welchstatebank.com  Mortgage Loan Originator Number: 1157797

Taylor Dry

Assistant Vice President/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.

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.

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.