BlastPoint's Banking Scorecard
Cleo State Bank
Cleo Springs, OK
4 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +6.9% year over year ($103.9M on the books).
- Delinquency rate 2.14%.
- Return on assets 2.29%.
- Efficiency ratio 45.99% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cleo State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 12.0% in tier
- + Net Interest Margin 0.61% above tier average
- + Efficiency Ratio 18.49% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.5M
+6.5% YoY
+6.8% QoQ
|
-$264.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.4% in tier |
| Total Loans ? |
$67.5M
+14.5% YoY
-5.2% QoQ
|
-$190.8M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.4% in tier |
| Total Deposits ? |
$103.9M
+6.9% YoY
+8.0% QoQ
|
-$222.8M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.5% in tier |
| Return on Assets ? |
2.29%
+30.4% YoY
+32.8% QoQ
|
+0.97% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 7.2% in tier |
| Net Interest Margin ? |
4.59%
+13.8% YoY
+10.3% QoQ
|
+0.61% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
45.99%
-12.6% YoY
-14.6% QoQ
|
-18.49% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 10.1% in tier |
| Delinquency Rate ? |
2.14%
+509.0% YoY
+108.4% QoQ
|
+1.22% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
64.97%
+7.1% YoY
-12.2% QoQ
|
-12.99% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
33.02%
+22.3% YoY
-1.5% QoQ
|
+10.99% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 12.5% in tier |
| Nonperforming Asset Ratio ? |
1.18%
+555.1% YoY
+84.9% QoQ
|
+0.51% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
16.43%
-1.7% YoY
-1.9% QoQ
|
+0.53% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.14%
-3.8% YoY
+100.4% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
30% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.0%
+6.0pp YoY -0.5pp QoQ |
+10.9pp | 22.1% | 23.9% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
38.6%
-1.0pp YoY +1.6pp QoQ |
+27.0pp | 11.6% | 15.7% | 12.5% | 98% |
| CRE | n/a | n/a | 39.5% | 42.0% | 41.4% | n/a |
| 1-4 Family |
0.0%
0.0pp YoY 0.0pp QoQ |
-32.6pp | 32.6% | 24.0% | 31.3% | 0% |
| Consumer |
8.8%
+1.7pp YoY +1.1pp QoQ |
+4.7pp | 4.1% | 5.6% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
16.4%
-0.3pp YoY -0.3pp QoQ |
+4.3pp | 12.2% | 11.7% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+4 (+25.0%) YoY 0 QoQ |
-39 | 58 | 150 | 482 | 11% |
| Assets per Employee ($) |
$6.1M
-14.8% YoY +6.8% QoQ |
-$1.4M | $7.5M | $6.5M | $8.8M | 36% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.0%
+1.9pp YoY +1.4pp QoQ |
+1.7pp | 0.3% | 0.9% | 0.4% | 97% |
| Nonaccrual |
0.1%
-0.1pp YoY -0.3pp QoQ |
-0.8pp | 0.9% | 1.5% | 1.0% | 21% |
| Allowance Coverage |
0.38x
-87.3% YoY -53.2% QoQ |
-23.78x | 24.15x | 61.99x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY +0.3pp QoQ |
+0.2pp | 0.1% | 0.2% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+2.9pp YoY +3.8pp QoQ |
+2.4pp | 12.2% | 11.9% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 45% |
| Net Income ($, YTD) |
$1.3M
+34.6% YoY — QoQ |
-$1.2M | $2.6M | $8.7M | $40.4M | 37% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.