Cleo State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.13 percentage points lower than in Q1 2026, at 65.49%. Cleo State Bank ranks 124th of 169 Oklahoma banks on loan-to-deposit ratio, in the lower half at 65.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cleo State Bank sits 15.06 points lower, at 65.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.0M |
| Net loans and leases | $67.5M |
| Loans held for sale | $0 |
| Loans to total assets | 55.53% |
| Loan-to-deposit ratio | 65.49% |
| Net loans to equity capital | 3.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 38.25% |
| Consumer | 8.73% |
| Credit cards | 0.00% |
| Farm | 13.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 8.87% |
| Interest income on loans | $1.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $51.4M | $94.8M | 0.00% | 43.22% | 7.37% |
| Q4 2023 | $53.4M | $91.2M | 0.00% | 42.67% | 7.66% |
| Q1 2024 | $56.1M | $96.0M | 0.00% | 42.44% | 7.13% |
| Q2 2024 | $55.7M | $99.1M | 0.00% | 41.49% | 7.28% |
| Q3 2024 | $54.7M | $97.3M | 0.00% | 38.60% | 7.94% |
| Q4 2024 | $57.4M | $93.2M | 0.00% | 38.46% | 7.81% |
| Q1 2025 | $59.0M | $95.6M | 0.00% | 36.91% | 7.48% |
| Q2 2025 | $59.5M | $97.2M | 0.00% | 39.17% | 7.07% |
| Q3 2025 | $57.4M | $94.8M | 0.00% | 39.79% | 8.46% |
| Q4 2025 | $67.1M | $93.0M | 0.00% | 34.95% | 14.61% |
| Q1 2026 | $71.8M | $96.2M | 0.00% | 36.70% | 7.61% |
| Q2 2026 | $68.0M | $103.9M | 0.00% | 38.25% | 8.73% |
Cleo State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cleo State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cleo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 406) · FFIEC NIC profile (RSSD 155759)