Bank Safety Analysis
Is Cleo State Bank Safe? Cleo Springs, Oklahoma
Based on its Q2 2026 call report, Cleo State Bank meets the community bank leverage ratio test for well capitalized, its Texas ratio is 7.58%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Cleo State Bank's Community Bank Leverage Ratio is 16.43%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 16.43%
- Texas ratio (Q2 2026): 7.58%
- Noncurrent loans ratio (Q2 2026): 2.12%
Cleo State Bank is an FDIC-insured commercial bank (FDIC Certificate #406). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Cleo State Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
Net interest margin climbed 1.20 percentage points in Q2 2026, from 4.24% to 5.44%. It was the largest change from Q1 2026 among the key lines here. On leverage ratio, Cleo State Bank ranks 9th highest among the 169 banks headquartered in Oklahoma, at 16.43% (Q2 2026). Cleo State Bank's leverage ratio of 16.43% is well above the 10.95% median for banks in the $100M-1B asset tier, a gap of 5.48 points (Q2 2026). From Q3 2023 to Q2 2026, Cleo State Bank's Texas ratio ranged between 0.19% (Q4 2023) and 9.11% (Q4 2025). Between Q2 2025 and Q2 2026, Cleo State Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.35% to 2.12%, Texas ratio rose from 1.13% to 7.58% and return on assets rose from 1.87% to 2.79%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 16.43% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 16.43% is above the 5% well-capitalized threshold.
Nonperforming loans at 2.12% are elevated; merits closer attention.
Texas Ratio of 7.6% is well below the 100% historical failure threshold.
Efficiency ratio of 39.6% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 7.58% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 2.12% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 65.49% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 7.58% |
| Q1 2026 | 3.87% |
| Q4 2025 | 9.11% |
| Q3 2025 | 6.96% |
| Q2 2025 | 1.13% |
| Q1 2025 | 4.78% |
| Q4 2024 | 5.50% |
| Q3 2024 | 1.51% |
| Q2 2024 | 1.56% |
| Q1 2024 | 1.84% |
| Q4 2023 | 0.19% |
| Q3 2023 | 0.20% |
Cleo State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 2.12% | 7.58% | 2.79% |
| Mar 31, 2026 | — | 1.02% | 3.87% | 1.68% |
| Dec 31, 2025 | — | 2.50% | 9.11% | 0.99% |
| Sep 30, 2025 | — | 2.26% | 6.96% | 1.94% |
| Jun 30, 2025 | — | 0.35% | 1.13% | 1.87% |
| Mar 31, 2025 | — | 1.44% | 4.78% | 1.59% |
| Dec 31, 2024 | — | 1.60% | 5.50% | 0.64% |
| Sep 30, 2024 | — | 0.48% | 1.51% | 1.47% |
| Jun 30, 2024 | — | 0.45% | 1.56% | 2.44% |
| Mar 31, 2024 | — | 0.50% | 1.84% | 1.02% |
| Dec 31, 2023 | — | 0.05% | 0.19% | 0.47% |
| Sep 30, 2023 | — | 0.05% | 0.20% | 1.41% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Cleo State Bank FDIC insured?
Yes. Cleo State Bank is an FDIC-insured commercial bank (FDIC Certificate #406). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Cleo State Bank well capitalized?
On its Q2 2026 call report, Cleo State Bank's Community Bank Leverage Ratio is 16.43%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Cleo State Bank's key safety ratios?
For Q2 2026, Cleo State Bank reports leverage 16.43%, Texas ratio 7.58%, noncurrent loans 2.12%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Cleo State Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 406) · FFIEC NIC profile (RSSD 155759)
Explore: Full Cleo State Bank profile · Other banks in OK · Metric glossary · How the call report works