Founded in 1923, Welch State Bank offers a range of lending and depository products. It is a locally owned, full-service, community bank that offers personal and business savings and checking accounts. The bank provides credit and debit cards and operates a cash management section. Welch State Bank offers home equity, construction and auto loans. It manages a leasing department that serves customers in Texas, Kansas, Missouri and Arkansas. The bank also provides online financial calculators. Welch State Bank offers certificates of deposit and individual retirement accounts. It is a member of the Federal Deposit Insurance Corporation. The bank provides several mortgage options.