Bank Comparison
Cleo State Bank vs First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 14
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| CET1 Ratio | — | 25.41% |
| Tier 1 Capital Ratio | — | 25.41% |
| Total Capital Ratio | — | 26.68% |
| Tier 1 Leverage Ratio | 16.75% | 14.20% |
| Equity / Assets | 15.97% | 13.95% |
Profitability
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.68% | 2.84% |
| Return on Equity (ROE) | 10.77% | 19.48% |
| Net Interest Margin (NIM) | 4.24% | 5.24% |
| Yield on Earning Assets | 5.92% | 6.59% |
| Cost of Funds | 1.89% | 1.50% |
Asset quality
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| Texas Ratio | 3.87% | 0.39% |
| Non-Performing Loan Ratio | 0.43% | 0.08% |
| Non-Performing Asset Ratio | 0.27% | 0.04% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 0.82% | 2.31% |
Balance sheet
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| Total Assets | $114,686K | $117,309K |
| Total Deposits | $96,231K | $99,927K |
| Total Loans | $71,806K | $66,706K |
| Total Equity | $18,317K | $16,360K |
| Net Income (quarter) | $487 | $808 |
Liquidity & funding
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 74.62% | 66.75% |
| Core Deposit Ratio | 80.13% | 94.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Cleo State Bank | First Bank |
|---|---|---|
| Headquarters City | CLEO SPRINGS | ERICK |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 4 |
| Employees (FTE) | 20 | 23 |
| Established | Oct. 25, 1900, midnight | Dec. 12, 1902, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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