Side-by-side · Q2 2026 data
Cleo State Bank vs The Security National Bank of Enid
Metric by metric
| Measure | Cleo State Bank | The Security National Bank of Enid |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 29 | 95 (stronger) |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 92 (stronger) | 74 |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 77th | 53rd |
| Total assets | $122.5M | $400.4M |
| Deposits / shares | $103.9M | $366.0M |
| Capital ratio | 16.43% (stronger) | 8.74% |
| Problem loans | 2.12% | 0.14% (stronger) |
| Net charge-offs | 0.32% | -0.00% (stronger) |
| Return on assets | 2.29% (stronger) | 1.63% |
| Loans ÷ deposits | 65.0% | 63.6% (stronger) |
| Uninsured deposits | 17.7% (stronger) | 35.7% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.8% |
Cleo State Bank has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Cleo State Bank leads on 4 and The Security National Bank of Enid on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.