BlastPoint's Banking Scorecard
Cleo State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 406
Designations: ✓ Community bank
Cleo Springs, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Cleo State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.1M
+1.5% YoY
-1.8% QoQ
|
-$106.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$66.6M
+17.2% YoY
+17.0% QoQ
|
-$72.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$93.0M
-0.2% YoY
-1.9% QoQ
|
-$90.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.62%
+12.1% YoY
-11.2% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.12%
+13.2% YoY
+1.1% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
57.53%
-5.8% YoY
+10.2% QoQ
|
-10.20% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
2.52%
+56.0% YoY
+10.2% QoQ
|
+1.88% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
71.55%
+17.5% YoY
+19.2% QoQ
|
-2.98% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
24.47%
-0.7% YoY
-7.9% QoQ
|
+2.07% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
1.51%
+80.2% YoY
+31.2% QoQ
|
+1.06% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.29%
-11.4% YoY
+36.2% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.53% · Tier avg: 67.73%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.47% · Tier avg: 22.39%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.55% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
27
27th pctile
Total Loans
Current: $66.6M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $93.0M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.1M · Tier avg: $217.5M
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
Top Weaknesses
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
26
26th pctile
Total Assets
Current: $111.1M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $93.0M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $66.6M · Tier avg: $139.2M
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.55% · Tier avg: 74.53%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.47% · Tier avg: 22.39%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
74
74th pctile
Efficiency Ratio
Current: 57.53% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%