Cleo State Bank
Cleo Springs, OK
IDRSSD: 155759
Total Assets
$111.05M
Latest filing
Total Deposits
$93.02M
Latest filing
Net Interest Margin
4.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103105886CLEO SPRINGS, OK
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Cleo State Bank
202 S Square St
Cleo Springs, OK 73729
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/25/1900FDIC Certificate 312
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Cleo State Bank (Main) | 202 S Square St | Cleo Springs, OK |
| FIRST CARMEN BRANCH | 401 E Main St | Carmen, OK |
| MENO GUARANTY BRANCH | 101 Highway 412 | Meno, OK |
| JET BRANCH | 502 W Main St | Jet, OK |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First Bank
Erick, Oklahoma
→
Assets: $112.14MΔ -0.8%
Community Bank
Bristow, Oklahoma
→
Assets: $110.49MΔ -2.3%
The State Bank of Wynnewood
Wynnewood, Oklahoma
→
Assets: $110.40MΔ -2.4%
The Farmers Bank
Carnegie, Oklahoma
→
Assets: $108.43MΔ -4.1%
Great Nations Bank
Norman, Oklahoma
→
Assets: $118.14MΔ +4.5%
Oklahoma Heritage Bank
Roff, Oklahoma
→
Assets: $106.17MΔ -6.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/25/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73729 |
| State and County Number | 40093 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | cleostatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 406 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $111.05M |
| Total Deposits | $93.02M |
| Total Liabilities | $93.19M |
| Total Equity Capital | $17.87M |
| Net Income | $278.00k |
| Net Loans and Leases | $66.55M |
| Assets Per Employee ($Millions) | $5.29M |
| Bank Premises and Fixed Assets | $669.00k |
| Cash and Balances due from Depository Institutions | $17.10M |
| Deposits Held in Domestic Offices | $93.02M |
Key Performance Ratios
| Return on Assets (ROA) | 0.99% |
| Return on Equity (ROE) | 6.17% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 72.73% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.09% |
| Earning Assets to total Assets | 95.91% |
Income and Expense
| Total Interest Income | $1.61M |
| Total Noninterest Income | $81.00k |
| Total Interest Expense | $477.00k |
| Total Noninterest Expense | $883.00k |
| Net Interest Income | $1.13M |
| Pre-tax Net Operating Income | $278.00k |
| Provision for Credit Losses | $53.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $164.00k |
| Total Liabilities and Capital | $111.05M |
Securities
| Securities | $24.98M |
| Available-for-sale debt securities | $24.98M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cleo State Bank?
$111.05M as of the latest filing.
How much are Cleo State Bank's total deposits?
$93.02M in total deposits.
Where is Cleo State Bank located?
Cleo Springs, OK.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
4.
When was it established?
10/25/1900.
What is the Return on Assets (ROA)?
0.99%.
How much are total loans and leases?
$66.55M (latest filing).
What is the total interest income (latest filing)?
$1.61M.