Bachelor of Science, University Arkansas, 1960. Master of Arts, University Arkansas, 1961.
Adjuster, Crawford & Company, Dallas, 1961-1968; branch manager, Crawford & Company, Lubbock, Texas, 1968-1972; branch manager, Crawford & Company, Odessa, 1972-1974; claims manager, Jim Finley & Associations, Lubbock, 1974-1978; agency manager, Jim Finley & Associations, Lubbock, 1978-1982; vice president, Republic-Hogg Robinson Corporation, Lubbock, 1979-1982; president, S.W. Risk Mgrs., Lubbock, 1980-1982; owner, Ralph E. Balch Insurance & Real Estate, Lubbock, 1982-1986; vice president, American Underwriters Insurance Company, Morrilton, Arkansas, since 1987. Board directors American Management Control Systems, Conway, Arkansas, American Management Administrative Systems, Conway.
With United States Navy, 1953-1957. Member Arkansas Indiana Insurance Assemblies of God Theological Seminary, Professional Insurance Assemblies of God Theological Seminary, Capital Club.
Married Virginia L. Macdonald, June 4, 1960 (deceased May 1984). 1 child, Virginia Suzanne.