Cleo State Bank
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Data as of · sourced from FFIEC call reports. How we update
Cleo State Bank is an FDIC-insured commercial bank headquartered in Cleo Springs, OK, established in 1900 (FDIC certificate 406), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.5M, up 6.5% from Q2 2025, the 121st largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.43% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 406
- Headquarters
- Cleo Springs, OK
- Established
- 1900
- Total assets, Q2 2026
- $122.5M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 16.43%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103105886
- Latest call report
- Q2 2026, FFIEC 051 · Cleo State Bank call report
- Holding company
- CLEO BANCSHARES INC.
- Asset rank in state
- 121st of 169 in Oklahoma
Problem loans are rising at Cleo State Bank. It reported $123 million in assets at June 30, 2026, up 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.12% of loans from 0.35% a year earlier. It earns about $2.79 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 40 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $843,000, 57% above the same quarter a year earlier. The commercial and industrial book ($26 million) is worsening: 4.98% of it is past due or on nonaccrual, up from 0.68% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Cleo State Bank reported a return on assets of 2.79%, a nonperforming-loan ratio of 2.12% and a Texas ratio of 7.58%. The figures come from its call report filed with the FFIEC.
Cleo State Bank ranks as the 121st largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.8% to $122.5M, loans fell 5.2% and deposits rose 8.0%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 38.8% of total loans, ahead of commercial and industrial loans at 38.2%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OK; its Meno office books 42% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cleo State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 S Square St, Cleo Springs, OK 73729
- County
- Major
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 25, 1900
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $103.9M
- Allowance for credit losses
- $546K
- Net charge-offs (YTD)
- $111K
- Average total assets
- $120.9M
- Average total loans
- $69.6M
- Average interest-bearing deposits
- $75.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 406
- Fed RSSD
- 155759
- Website
- cleostatebank.com →
- Parent Holding Company
- CLEO BANCSHARES INC. (RSSD 1052958)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cleo State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cleo State Bank's total assets ran between $106.1M (Q4 2023) and $122.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$122.5M total assets against $115.1M; $104.0M total liabilities against $97.3M.
$67.5M net loans and leases against $58.9M; $103.9M total deposits against $97.2M.
$27.4M securities against $32.9M; $24.5M cash and balances due against $20.8M.
$1.9M total interest income against $1.6M; $454K total interest expense against $467K.
$1.4M net interest income against $1.1M.
$89K total noninterest income against $81K; $602K total noninterest expense against $614K.
$69K provision for credit losses against $80K.
$843K net income against $537K.
2.79% return on assets against 1.87%; 5.44% net interest margin against 4.11%.
16.43% tier 1 leverage ratio against 16.71%.
Inside the full Cleo State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCleo State Bank rankings
Its closest position to the top of a national ranking is 101 of 3,611, for ROA; its furthest is 3,497 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 2.79% (Q2 2026) and its net interest margin ran from 3.23% (Q3 2024) to 5.44% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.43% | 2.79% | 2.12% | 7.58% | 5.44% |
| Q1 2026 | 16.75% | 1.68% | 1.02% | 3.87% | 4.24% |
| Q4 2025 | 16.90% | 0.99% | 2.50% | 9.11% | 4.17% |
| Q3 2025 | 16.86% | 1.94% | 2.26% | 6.96% | 4.07% |
| Q2 2025 | 16.71% | 1.87% | 0.35% | 1.13% | 4.11% |
| Q1 2025 | 16.52% | 1.59% | 1.44% | 4.78% | 3.70% |
| Q4 2024 | 16.39% | 0.64% | 1.60% | 5.50% | 3.33% |
| Q3 2024 | 15.83% | 1.47% | 0.48% | 1.51% | 3.23% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Meno Guaranty Branch | Meno , OK | 73760 | $44.1M |
| Cleo State Bank (main office) | Cleo Springs , OK | 73729 | $26.5M |
| Jet Branch | Jet , OK | 73749 | $19.9M |
| First Carmen Branch | Carmen , OK | 73726 | $13.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1989 | Structure Change | Acquired The First National Bank in Carmen Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 1985 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 18, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 138 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cleo State Bank
What are Cleo State Bank's total assets?
As of the Q2 2026 filing, Cleo State Bank reported total assets of $122.5 million in its FFIEC call report.
Where is Cleo State Bank headquartered?
It is headquartered in Cleo Springs, OK, United States.
When was Cleo State Bank founded?
It was established in 1900, per the FDIC institution directory.
Is Cleo State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cleo State Bank?
Cleo State Bank's primary federal regulator is the FDIC.
How many branches does Cleo State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cleo State Bank's Texas Ratio?
Its Texas Ratio is 7.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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