Cleo Springs, OK · Cert 406 · Cleo Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 0.50% | 1.28% | 1.48% | 1.52% | 0.78% | 1.36% | 2.23% | +75 bps | |
| Return on Equity | 8.46% | 3.43% | 8.56% | 9.68% | 9.68% | 4.87% | 8.46% | 14.38% | +470 bps | |
| Net Interest Margin | 3.08% | 3.29% | 3.55% | 3.99% | 3.94% | 4.04% | 3.88% | 4.71% | +72 bps | |
| Efficiency Ratio | 56.64% | 78.44% | 55.75% | 49.88% | 51.34% | 72.98% | 53.82% | 39.76% | -1,012 bps | |
| Non-Interest Burden | 1.61% | 2.50% | 1.85% | 1.85% | 1.89% | 2.87% | 1.96% | 1.70% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.06% | 3.20% | 1.78% | 0.40% | -0.96% | 1.46% | 1.62% | 6.49% | +609 bps | |
| Loan Growth (YoY) | 6.50% | 7.53% | 5.09% | 6.95% | 4.98% | 16.89% | 21.81% | 14.28% | +733 bps | |
| Deposit Growth (YoY) | 2.63% | 2.26% | -0.47% | -1.92% | -2.60% | -0.24% | 0.70% | 6.93% | +884 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 1.60% | 1.44% | 0.35% | 2.26% | 2.50% | 1.02% | 2.12% | +177 bps | |
| Net Charge-Offs / Loans | 0.02% | -0.08% | 0.27% | 0.40% | 0.84% | 0.32% | -0.01% | 0.66% | +26 bps | |
| Allowance / Loans | 1.01% | 1.05% | 1.01% | 1.03% | 0.91% | 0.77% | 0.82% | 0.80% | -23 bps | |
| Allowance Coverage of NPLs | 2.1x | 0.7x | 0.7x | 3.0x | 0.4x | 0.3x | 0.8x | 0.4x | -2.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.83% | 16.39% | 16.52% | 16.71% | 16.86% | 16.90% | 16.75% | 16.43% | -28 bps | |
| Total Risk-Based Capital | 15.83% | 16.39% | 16.52% | 16.71% | 16.86% | 16.90% | 16.75% | 16.43% | -28 bps | |
| Equity / Assets | 14.64% | 14.66% | 15.19% | 15.43% | 16.06% | 16.09% | 15.97% | 15.11% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.22% | 61.54% | 61.69% | 61.28% | 60.60% | 72.11% | 74.62% | 65.49% | +421 bps | |
| Liquid Assets / Assets | 13.09% | 6.72% | 7.15% | 15.00% | 17.47% | 13.49% | 12.66% | 17.95% | +296 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |