Cleo State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.2) profitability. A current level of 7.1 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Good asset quality (5.2).
Asset Mix:
Securities (22%), comm loans (21%), cash (20%), consumer loans (5%), other (32%)
States with Branches:
OK
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Cleo Bancshares Inc.
Investment Rating
--
Address
202 South Square
Cleo Springs, OK 73729
Cleo Springs, OK 73729
Phone Number
(580) 438-2223
Year Founded
1900
FDIC Number
Website
Largest Affiliates
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