Cleo State Bank
Cleo Springs, OK
IDRSSD: 155759
Total Assets
$113.08M
Latest filing
Total Deposits
$94.78M
Latest filing
Net Interest Margin
4.13%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 16 |
| 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 | 11/14/2025 |
| CERT | 406 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $113.08M |
| Total Deposits | $94.78M |
| Total Liabilities | $94.92M |
| Total Equity Capital | $18.16M |
| Net Income | $553.00k |
| Net Loans and Leases | $56.91M |
| Assets Per Employee ($Millions) | $5.95M |
| Bank Premises and Fixed Assets | $509.00k |
| Cash and Balances due from Depository Institutions | $22.11M |
| Deposits Held in Domestic Offices | $94.78M |
Key Performance Ratios
| Return on Assets (ROA) | 1.94% |
| Return on Equity (ROE) | 12.32% |
| Net Interest Margin | 4.13% |
| Efficiency Ratio | 51.34% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 16.056% |
| Earning Assets to total Assets | 95.49% |
Income and Expense
| Total Interest Income | $1.59M |
| Total Noninterest Income | $77.00k |
| Total Interest Expense | $469.00k |
| Total Noninterest Expense | $615.00k |
| Net Interest Income | $1.12M |
| Pre-tax Net Operating Income | $553.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| 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 | $145.00k |
| Total Liabilities and Capital | $113.08M |
Securities
| Securities | $31.32M |
| Available-for-sale debt securities | $31.32M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$113.08M as of the latest filing.
How much are Cleo State Bank's total deposits?
$94.78M in total deposits.
Where is Cleo State Bank located?
Cleo Springs, OK.
What is the Net Interest Margin?
4.13%.
How many domestic offices does it operate?
4.
When was it established?
10/25/1900.
What is the Return on Assets (ROA)?
1.94%.
How much are total loans and leases?
$56.91M (latest filing).
What is the total interest income (latest filing)?
$1.59M.