Side-by-side · Q2 2026 data
Cleo State Bank vs The First State Bank of Pond Creek, Oklahoma
Bank
The First State Bank of Pond Creek, Oklahoma
Pond Creek, Oklahoma · Under $100 million in assets
Metric by metric
| Measure | Cleo State Bank | The First State Bank of Pond Creek, Oklahoma |
|---|---|---|
| TellerScore | 80 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 29 | 89 (stronger) |
| Earnings | 100 (stronger) | 98 |
| Funding & liquidity | 92 (stronger) | 62 |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 77th | 73rd |
| Total assets | $122.5M | $55.5M |
| Deposits / shares | $103.9M | $47.9M |
| Capital ratio | 16.43% (stronger) | 12.78% |
| Problem loans | 2.12% | 0.32% (stronger) |
| Net charge-offs | 0.32% | 0.01% (stronger) |
| Return on assets | 2.29% (stronger) | 1.96% |
| Loans ÷ deposits | 65.0% (stronger) | 96.6% |
| Uninsured deposits | 17.7% | 16.2% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First State Bank of Pond Creek, Oklahoma has the higher TellerScore (83 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 3 and The First State Bank of Pond Creek, Oklahoma on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.