B
Cleo State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Cleo State Bank
Cleo Springs, OK
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Rating B
Asset Quality Index 5.50
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 6.30
Stability Index 9.20
Company Info Cleo State Bank
Cleo Springs, OK
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FDIC Number 406
Phone Number (580) 438-2223
Website cleostatebank.com
Asset Quality Cleo State Bank
Cleo Springs, OK
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1-Year Asset Growth 1.46%
5-Year Asset Growth 5.08%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.46%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 8.60%
Non-Performing Loans to Loans 0.23%
Balance Sheet Cleo State Bank
Cleo Springs, OK
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Total Assets 111.05M
Total Deposits 93.02M
Capital and Reserves Cleo State Bank
Cleo Springs, OK
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Capital 17.87M
Leverage Ratio 16.90
Loan Loss Reserves to Loans 0.77%
Risk-Based Capital Ratio --
Liquidity Cleo State Bank
Cleo Springs, OK
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Hot Money Ratio 40.13%
Liquidity Ratio 35.29%
Profitability Cleo State Bank
Cleo Springs, OK
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5-Year Return on Average Assets 1.58%
Net Income 1.82M
Net Interest Spread 4.01%
Operating Profit to Average Assets 1.60%
Overhead Efficiency Ratio 57.53%
Return on Assets 1.60%
Return on Equity 10.39%