Cleo State Bank is a state-chartered bank headquartered in Cleo Springs, Oklahoma, in business for about 126 years. At the end of Q2 2026 it reported $122.5M in total assets and $103.9M in deposits, with 4 offices.
Based on its Q2 2026 filing, Cleo State Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 43rd. Its strongest component is capital cushion (100/100; 16.43%), and its lowest is loan quality (29/100; 2.12%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (94 → 80), mostly because the loan quality component weakened by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 93 |
| Q4 2024 | 81 |
| Q1 2025 | 84 |
| Q2 2025 | 94 |
| Q3 2025 | 78 |
| Q4 2025 | 73 |
| Q1 2026 | 86 |
| Q2 2026 | 80 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.55% |
| Q3 2024 | 15.83% |
| Q4 2024 | 16.39% |
| Q1 2025 | 16.52% |
| Q2 2025 | 16.71% |
| Q3 2025 | 16.86% |
| Q4 2025 | 16.90% |
| Q1 2026 | 16.75% |
| Q2 2026 | 16.43% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.48% |
| Q4 2024 | 1.60% |
| Q1 2025 | 1.44% |
| Q2 2025 | 0.35% |
| Q3 2025 | 2.26% |
| Q4 2025 | 2.50% |
| Q1 2026 | 1.02% |
| Q2 2026 | 2.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.80% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.44% |
| Q1 2025 | 1.62% |
| Q2 2025 | 1.76% |
| Q3 2025 | 1.82% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.73% |
| Q2 2026 | 2.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $122.5M | 16.43% | 2.12% | 2.29% | 65.0% |
| Q1 2026 | 86 | $114.7M | 16.75% | 1.02% | 1.73% | 74.0% |
| Q4 2025 | 73 | $111.1M | 16.90% | 2.50% | 1.62% | 71.6% |
| Q3 2025 | 78 | $113.1M | 16.86% | 2.26% | 1.82% | 60.0% |
| Q2 2025 | 94 | $115.1M | 16.71% | 0.35% | 1.76% | 60.6% |
| Q1 2025 | 84 | $112.9M | 16.52% | 1.44% | 1.62% | 61.1% |
| Q4 2024 | 81 | $109.5M | 16.39% | 1.60% | 1.44% | 60.9% |
| Q3 2024 | 93 | $114.2M | 15.83% | 0.48% | 1.71% | 55.7% |
| Q2 2024 | 94 | $114.6M | 15.55% | 0.45% | 1.80% | 55.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CorebankBank Waynoka, OK | 83 out of 100, Strong | $122.1M | 11.8% | 0.00% | vs |
| Community BankBank Bristow, OK | 71 out of 100, Strong | $119.1M | 10.1% | 0.86% | vs |
| The Farmers and Merchants National Bank of FairviewBank Fairview, OK | 66 out of 100, Moderate | $118.7M | 12.2% | 1.67% | vs |
| First BankBank Erick, OK | 93 out of 100, Very strong | $118.0M | 14.2% | 0.27% | vs |
| FNB CowetaBank Coweta, OK | 86 out of 100, Very strong | $127.8M | 11.2% | 0.00% | vs |
| SNB Bank, National AssociationBank Shattuck, OK | 36 out of 100, Low | $129.4M | 11.8% | 6.18% | vs |
Deposit insurance
Is my money safe at Cleo State Bank?
Yes. Cleo State Bank is an FDIC-insured institution (FDIC certificate #406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.7% of deposits ($18.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.43%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Cleo State Bank lists 4 offices in 4 cities. Most locations:
- Carmen, OK (1)
- Cleo Springs, OK (1)
- Jet, OK (1)
- Meno, OK (1)
Identity & history
Profile
- Legal name
- Cleo State Bank
- Former names
- Cleo State Bank, Cleo Springs
- Type
- State-chartered bank
- FDIC certificate #
- 406
- RSSD ID
- 155759
- Primary regulator
- FDIC
- Holding company
- Cleo Bancshares Inc
- Established
- October 25, 1900
- Headquarters
- 202 S Square St, Cleo Springs, OK 73729
- Website
- cleostatebank.com
- Employees
- 20
Quick answers
Cleo State Bank: common questions
Is Cleo State Bank FDIC insured?
Yes. Cleo State Bank is an FDIC-insured institution (FDIC certificate #406). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cleo State Bank's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cleo State Bank ever failed?
There is no failure record for FDIC certificate #406 in the FDIC failed bank list.
How many branches does Cleo State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cleo Springs
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fairview Savings and Loan AssociationBank Fairview, OK | 92 out of 100, Very strong | $65.1M | 20.8% | 0.00% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| F&M BankBank Edmond, OK | 71 out of 100, Strong | $915.3M | 10.0% | 0.36% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| The Farmers and Merchants National Bank of FairviewBank Fairview, OK | 66 out of 100, Moderate | $118.7M | 12.2% | 1.67% | vs |