# CLEO STATE BANK
CLEO SPRINGS, OK · FDIC certificate 406 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $122.5M | |
| Deposits | $103.9M | |
| Loans and leases | $68.0M | |
| Total equity | $18.5M | |
| Loans / deposits | 64.97% (p37 of band) | 73.59% |
| Liquid assets / assets | 42.33% (p67 of band) | |
| Uninsured deposits / deposits | 17.72% (p42 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.43% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -7.38% (p48 of band) | -6.57% |
| AOCI / equity | -1.51% (p18 of band) | |
| ROA (annualized) | 2.29% (p91 of band) | 1.17% |
| Net interest margin | 4.59% (p79 of band) | 3.93% |
| Efficiency ratio | 45.99% (p8 of band) | |
| Noncurrent loans | 2.12% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 37.81% | |
| Real estate % of loans | 14% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $2.6M (3.77% of loans; DQ 5.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | AOCI drag >20% of equity, noncurrent p90 |  |
| 2013-12 | 3 |  | noncurrent p90 |
| 2014-03 | 2 | noncurrent p90 | capital falling, AOCI drag >20% of equity |
| 2014-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 | noncurrent p90 | charge-offs p90 |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | noncurrent p90, capital falling, assets shrinking |
| 2016-09 | 4 | noncurrent p90, assets shrinking |  |
| 2016-12 | 3 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2017-03 | 2 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2017-06 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 | uninsured deposits leaving | charge-offs p90, capital falling |
| 2018-06 | 4 | losing money, charge-offs p90 | uninsured deposits leaving |
| 2018-09 | 2 |  | losing money, charge-offs p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 4 | charge-offs p90 |  |
| 2019-12 | 3 |  | deposits shrinking |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | charge-offs p90 |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | noncurrent p90 |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 0 |  | capital falling |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 | capital falling | charge-offs p90 |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 1 | reserve under noncurrent |  |
| 2025-03 | 2 | charge-offs p90 |  |
| 2025-06 | 1 |  | reserve under noncurrent |
| 2025-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-12 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2026-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2026-06 | 3 | capital falling, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-13 [Cleo State Bank announces leadership changes - enidnews.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOVFhmNmdXclIwSEI4cllzcGFseHhyVXFFbC1QSTNRd2tNM3RHb2RQSURPZy1TeDNhN2xBZlVXNHE1ejczU2tWdkFGd2lKelpWWUdDekJfVVZ3cy1NejlkZm1fTnZGZ3JJTWE2ZDhiQUpYa0Y5RWZEVnAwb0VmbjRlby14VklrdEdOMmpYaEUwRXlxYUMtX3QyLXhIdXlmSTJfRVQtQk5WS01aRVp4dk9HVmNTVG5Uc3RrLTdoRDFxRUxodw?oc=5) · enidnews.com
- 2024-10-26 [Wayne Morse Obituary October 26, 2024 - ladusauevans.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1obzR3cmpNMzc0YV93bWJ4c3BNWnVjTWpfSUhmRmhXbnU5ajFib3AybWJVZjVydHVUQS1BWW12ajJjV1RfeVpmUjVid2FCd2NSbHpHbmRmdVNrQWVrTW1NXw?oc=5) · ladusauevans.com
- 2018-05-23 [Virginia (Hedrick) Schaub Obituary May 23, 2018 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMidkFVX3lxTE1YcmVyTW5jcmdOdk9vNTRnRHk3cVREZ3VTUjdUcU84Z3BfYXVTMzRHSGtacTBmdkVveWNIUTdoQUhiNlpqQ0VLU2pEZjZoT3FMYUpKUW5RNzhudDBDUFBvT2dSRUFwaGg5RUxNNWxldGYzRzBUZUE?oc=5) · Lanman Funeral Home, Inc
- 2026-08-16 [Reba Fae Hiebert Obituary (2026) - Ringwood, OK - Pierce Funeral Home - Fairview - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYm4yR2xkZWxrNlhRSUtTZ0g2Mm5qaW1JVUJMTWtWMWVnTDBvZjQxQ3hfc2ljV3pLR0xBWUxyTnlmeFdzRWQ3aVlBejRucEFfenVsb0NhQkpzNTFuOHdlUUFXU0ZxcDU1NWJpZVk5blNHWEFvOE1TeWR6TzFKcklfRw?oc=5) · Legacy obituary
- 2025-08-04 [Barbara Ann Beecher Obituary Aug 4, 2025 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMibEFVX3lxTE55VWRFZEdpYndvODFKM1ZnR2o5cThaSlN0NWJrRWNwWFltWmU4amlsUExZNVpmMUdiTGJNWnFRVXJmUVBrRmsxaXpmNmFoc3pkWFFFZ0s4SDE1cHZlc0VxU3NIaGdUSW94NkZSUg?oc=5) · Lanman Funeral Home, Inc
- 2016-11-07 [Clifford Morrison Obituary (2016) - Carmen, OK - Anderson-Burris Funeral Home - Enid - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUk9oUVBEUGJyZDhKeVo2TzlsX29lTl9IZDBVbkJEam43MkFKM2JEbGx0YjRkOFBmOURBOEl2LTJZRkRLTHF1enpDWV9HNFpXeWRZMjNMQWw3R0g4MXNBSDY1VlV6UFJfaGp6ZFFVaDdKcFVuakl0M3BNM1VpQUJkUU1TZEtVM2FFb1E?oc=5) · Legacy obituary
- 1994-11-06 [Three Gubernatorial Candidates Collect More Than $3 Million - The Oklahoman](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQalB4d0RtV3Y4enBqbFg3MVlrcjJxQnpMQU9FT3ZSUWNTOUdoeF9YZGd4NDZ6LXhDRDM1d3Q5R2ZVTzctbkhZR0JxZ3lMMDdsMXo4Skhyc0htSUZqTS1rLUFQLTBLVzE5dzFQR3E2Mm9OWWJFZDA4WEg1SWJPejFrZ3M3SlBydWJOLVd0ZENoVTNPOGgyejBsbXc4bms2cWxYT29YbmRxcEg1YVZ0WTZOOEVZTFdqckNFNnVn?oc=5) · The Oklahoman
- 2021-07-22 [Timothy "Tim" Scoggins Obituary Jul 22, 2021 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMie0FVX3lxTE5fUHFPTDRsWVZYM0l0eHlKOUhhbFB3MTU5RHQ5X3RkMUY2WlNHUHNRbDVrODh0OG1DX09wSkktd3hwUC1DTTVTSjl4TzRUeXAtTGJLSlF1QWt4aDdyWkl4VkZYMzU5amlsangwSi1ZT2NRbjVhYXdSU05sTQ?oc=5) · Lanman Funeral Home, Inc

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=406 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "406", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide