CLEO STATE BANK

CLEO SPRINGS, OK | Small | Est. Oct. 25, 1900, midnight | FDIC #406 | RSSD #155759 | FDIC
Latest Report: 2025-12-31

CLEO STATE BANK is asn small FDIC-insured commercial bank headquartered in CLEO SPRINGS, OK, established in Oct. 25, 1900, midnight. As of 2025-12-31, the bank reported total assets of $111M and total deposits of $93M. Profitability stands at 0.99% ROA and 6.17% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 16.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 0.82%. FDIC Certificate #406.

Assets

$111M

Deposits

$93M

Loans

$67M

Equity

$18M

Profitability

Return on Assets (ROA) 0.99%
Return on Equity (ROE) 6.17%
Net Interest Margin (NIM) 4.40%
Yield on Assets 6.25%
Cost of Funds 2.99%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.41%
Texas Ratio 0.82%
NPA Ratio 0.14%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 16.09%
Tier 1 Capital 16.09%
Total Capital Ratio 16.89%
Leverage Ratio 16.90%
Loan-to-Deposit 72.11%

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