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Cleo State Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 406

Cleo Springs, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

Cleo State Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Efficiency Ratio 11.47% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.14% above tier average
Get updates when Cleo State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $114.7M
+1.6% YoY +3.3% QoQ
-$271.4M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
Bottom 4.4% in tier
Total Loans ? $71.2M
+22.0% YoY +7.0% QoQ
-$184.5M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
Bottom 7.9% in tier
Total Deposits ? $96.2M
+0.7% YoY +3.5% QoQ
-$231.7M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
Bottom 4.5% in tier
Return on Assets ? 1.73%
+6.3% YoY +6.6% QoQ
+0.46% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
79%
Net Interest Margin ? 4.16%
+9.4% YoY +1.0% QoQ
+0.23% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
66%
Efficiency Ratio ? 53.82%
-3.5% YoY -6.4% QoQ
-11.47% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
76%
Delinquency Rate ? 1.03%
-29.3% YoY -59.2% QoQ
+0.14% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
28%
Loan-to-Deposit Ratio ? 74.01%
+21.2% YoY +3.4% QoQ
-2.63% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
59%
Non-Interest-Bearing Deposit Share ? 33.51%
+33.4% YoY +37.0% QoQ
+11.49% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
Top 11.7% in tier
Nonperforming Asset Ratio ? 0.64%
-15.1% YoY -57.7% QoQ
+0.00% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
31%
Tier 1 Capital Ratio ? 16.75%
+1.4% YoY -0.9% QoQ
+0.92% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
76%
Non-Interest Income / Assets ? 0.07%
-6.4% YoY -76.5% QoQ
-0.21% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
31%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

312
Non-Interest-Bearing Deposit Share
funding
Value: 33.51%
Peer Median: 22.02%
#312 of 2664 Top 11.7% in $100M-$1B
571
Return on Assets
profitability
Value: 1.73%
Peer Median: 1.27%
#571 of 2664 Top 21.4% in $100M-$1B
628
Efficiency Ratio
profitability
Value: 53.82%
Peer Median: 65.29%
#628 of 2664 Top 23.5% in $100M-$1B
639
Tier 1 Capital Ratio
capital
Value: 16.75%
Peer Median: 15.83%
#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (3 metrics)

2547
Total Assets
size
Value: $114.69M
Peer Median: $386.08M
#2547 of 2664 Bottom 4.4% in $100M-$1B
2545
Total Deposits
size
Value: $96.23M
Peer Median: $327.97M
#2545 of 2664 Bottom 4.5% in $100M-$1B
2454
Total Loans
size
Value: $71.22M
Peer Median: $255.72M
#2454 of 2664 Bottom 7.9% in $100M-$1B
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