Advertisement
Cleo State Bank
Cleo Springs, OK · FDIC Certificate #406 · Chartered 10/2
Total assets
$122.53M
Total deposits
$103.90M
Total equity
$18.51M
Net loans
$67.50M
Branches (offices)
4
Net income (YTD)
$1.33M
Rank: #3,510 of 4,213 U.S. banks by assets · #121 of 168 in Oklahoma. Assets changed 6.5% and deposits 6.9% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.29% |
| Return on equity | 14.59% |
| Net interest margin (YTD) | 4.59% |
| Equity to assets | 15.11% |
| Tier 1 leverage ratio | 16.43% |
| Uninsured deposits (share of deposits) | 17.7% |
| Noncurrent loans (share of loans) | 2.12% |
| Net charge-offs (share of loans) | 0.32% |
| Loans to deposits | 65.0% |
| Real estate loans (share of loans) | 13.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $9.40M | 13.9% | |
| Commercial & industrial | $26.02M | 38.6% | |
| Consumer / individual | $5.94M | 8.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $26.38M | 39.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $98.39M | $83.09M | $1.22M | $15.28M |
| Jun 2023 | $107.44M | $93.07M | $803.00K | $14.26M |
| Jun 2024 | $114.60M | $99.06M | $995.00K | $15.39M |
| Jun 2025 | $115.06M | $97.16M | $988.00K | $17.76M |
| Jun 2026 | $122.53M | $103.90M | $1.33M | $18.51M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $103.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $103.90M.
Similar-sized banks
Pocahontas State Bank ($122.57M) · Farmers And Merchants Savings Bank ($122.50M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement