Cleo State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cleo State Bank of Cleo Springs, OK against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.79% | 1.25% | +1.54% | 96th top |
| ROAE | 18.31% | 13.17% | +5.14% | 81st top |
| Net Interest Margin | 5.44% | 3.95% | +1.49% | 97th top |
| Efficiency Ratio | 39.64% | 61.50% | -21.86% | 95th top |
| PPNR / Avg Assets | 3.02% | — | — | 96th top |
| Yield on Earning Assets | 7.17% | 5.67% | +1.50% | 96th top |
| Cost of Funds | 1.67% | 1.87% | -0.20% | 58th above |
| Net Interest Spread | 4.45% | — | — | 93rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.12% | 0.93% | -0.81% | 71st above |
| NPA / Total Assets | 0.07% | — | — | 75th top |
| NCO / Avg Loans | 0.64% | 0.15% | +0.49% | 5th bottom |
| ACL / Total Loans | 0.80% | — | — | 11th bottom |
| ACL / NPLs (Coverage) | 657.83% | — | — | 76th top |
| Texas Ratio | 7.58% | 6.06% | +1.52% | 24th bottom |
| Provision / NCO | 124.32% | — | — | 44th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.43% | 11.75% | +4.68% | 91st top |
| Equity / Assets | 15.11% | 10.98% | +4.13% | 88th top |
| TCE / Tangible Assets | 15.11% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.49% | 80.44% | -14.95% | 77th top |
| Core Deposit Ratio | 77.58% | 86.95% | -9.37% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.49% | — | — | 65th above |
| Loan Growth (Y/Y) | 14.28% | — | — | 84th top |
| Deposit Growth (Y/Y) | 6.93% | — | — | 70th above |
See Cleo State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cleo State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cleo State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cleo State Bank peer analysis.