Cleo State Bank
Cleo Springs, OK · Cert 406 · Peer group: banks under $1B in assets in OK (n=88-89) · Cleo Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$122.5MAssets
$68.0MLoans
$103.9MDeposits
$18.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 93% of banks under $1B in assets in OK (rank 7 of 89).
- Widest gap: net charge-offs / loans trails 74% of banks under $1B in assets in OK (rank 66 of 88).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.70%
Rank 17 of 89
Net Interest Margin
4.22%
Rank 29 of 89
Efficiency Ratio
45.99%
Rank 7 of 89
Equity / Assets
15.11%
Rank 14 of 89
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 93% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.85% | 1.26% | 1.60% | Beats 81% | 17 / 89 | | |
| Return on Equity | 11.28% | 7.40% | 11.89% | 14.65% | Beats 46% | 48 / 89 | | |
| Net Interest Margin | 4.22% | 3.46% | 3.93% | 4.45% | Beats 67% | 29 / 89 | | |
| Efficiency Ratio | 45.99% | 54.70% | 60.95% | 71.14% | Beats 93% | 7 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.12% | 0.30% | 0.82% | 2.25% | Beats 28% | 64 / 88 | | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.03% | 0.20% | Beats 26% | 66 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 16.43% | 10.89% | 13.00% | 16.33% | Beats 76% | 21 / 89 | | |
| Total Risk-Based Capital Ratio | 16.43% | 11.20% | 13.06% | 16.33% | Beats 75% | 22 / 89 | | |
| Equity / Assets | 15.11% | 9.26% | 10.94% | 13.52% | Beats 84% | 14 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.49% | 61.51% | 72.27% | 84.01% | 33rd pctl | 59 / 88 | | |
| Loans / Assets | 55.53% | 52.51% | 63.15% | 71.27% | 33rd pctl | 60 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |