# CLEVELAND BANK
CLEVELAND, OK · FDIC certificate 4065 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $67.7M | |
| Deposits | $63.0M | |
| Loans and leases | $33.7M | |
| Total equity | $4.6M | |
| Loans / deposits | 53.09% (p23 of band) | 68.02% |
| Liquid assets / assets | 46.72% (p71 of band) | |
| Uninsured deposits / deposits | 13.05% (p71 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.38% (p7 of band) | 10.05% |
| Unrealized securities loss / equity | 2.31% (p43 of band) | 3.01% |
| AOCI / equity | -6.06% (p1 of band) | |
| ROA (annualized) | 0.34% (p24 of band) | 0.76% |
| Net interest margin | 3.39% (p30 of band) | 3.75% |
| Efficiency ratio | 95.67% (p88 of band) | |
| Noncurrent loans | 2.18% (p66 of band) | 1.21% |
| Net charge-offs (annualized) | 0.49% (p82 of band) | |
| Reserve coverage of noncurrent | 32.74% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 20.47% (p57 of band) | |
| Auto loans | $2.1M (6.09% of loans; DQ 3.31%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 3 | leverage <7% |  |
| 2012-09 | 1 |  | capital falling, leverage <7% |
| 2012-12 | 1 |  |  |

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

- 2024-12-27 [Yonna Davis Obituary Dec 27, 2024 - obituary.companionfunerals.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9fU2hXTHRKNlhKbUVuVURqZDVNZ0VPSllxMjRLZUJ4Yk5nQUE2NHg0SzZ6R3JTRll1emljVEVINWZpUVlvZVlvdFUxMDRlSk5wLURxM05hYnVhSnB5M3I0?oc=5) · obituary.companionfunerals.com
- 2023-12-31 [Third Federal Savings and Loan Association of Cleveland (OH) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMitwFBVV95cUxOT19NOWpLNVVTd1lvaTQyX3ZmclhlNV95TzJ4NW9xYlhjM19lR0tYYnlZWlBUOVE5bVZwLTFDUmdDRnBlWHJVMkI2UUcwc2VfUjlnaHRKMmRRT1prdDFLMXRfMmZxN1hSUk1RdnlFYUJ3Z2V0bVRCNTBmSEo4NnotSUxCbU95UHZqVjJrV3Joek9SekN4SEVGN2pJc1RrNXZDLWc5eXVUSWcyWVlOZ1NBdlRHTFplbkU?oc=5) · SmartAsset
- 2020-11-12 [Oklahoma Rancher Frederick Drummond, 89, Passes - drovers.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE80R1owSzNWUUpDZ3N5N3RkUUR4U292SUNUWEs1TTViUUFDQlBSVWZYTXp4STU0UlBCNE9fellOVFlNN1A3UVpqWkRfbWt5S29EQ3pOb2tCMEFVend6eDQzV0VOODg3WFdfc2VvR0JzREk5RF8yQ05QMmhrZklYWGs?oc=5) · drovers.com
- 2026-08-10 [Lois Marie Sharpnack Obituary (2026) - Cleveland, OK - Chapman-Black Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPUjZjbllNdjNPZXY4emVDZGRWeU5XRkY3eGl1cFlOc2dSem0tTFFsQmYwQW9rQWFGYnRQVlZxbzhLT3lUdnFJQUNWTVh5SGJJb1hqalpraUFVczJFREFCd1NYMDEwQXJnSXZzZUR0QjlpN0stWlNNTXlTN0JKUEtLWmRYaw?oc=5) · Legacy obituary
- 2020-10-23 [Northeast Ohio immigrant family provides its own social net in pandemic - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOMUZOb1RXQ0QyMkFJNTJIU2dSWmxDdHBIcmdUTlRKLW5ieDFoVzlvUDJxY1MtVnMyWnBvVG00eWkxRkV5eEJvTzYzR05KcWdPSzhzT0tYeVBzR29keENTRXhmcWM3Vm1XeTlHY3RER0NHekMyT0pvYXdUd1NUR3g1aE9aa0hEV2RaRjJpU2xwVFVrSTJxZ3lDZFA1b2Zuc0NmYlJodm9PY1czY3FSa3lZZlFDTVYxLUhnV0JCYjlua3ZuOGNhMDQzV1dIYnVOTXpIVGkzUXNUNHk?oc=5) · Akron Beacon Journal
- 2015-02-18 [Drummond honored by OSU - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMingFBVV95cUxOQjl5eUxQcW1tdWdGVlJvSkxwLVJac3JSTzFIVmZPbDZXMHVFcGQxU2ZPZ1JiN3NVMTV0bXlwbmo5andoaVVxNWF3akdFUmhPd0R3a3NzTDh5eUNOU2xYLXJiUzhtTjFFMTktVTA4aHYxZEUzN1NtTW44dUNUbWJidTFuTWNyTUNTV1g1S3pwMFFVYWYxY1ZWek16MlJzdw?oc=5) · Pawhuska Journal Capital
- 2026-01-14 [Paula Kay Callison Obituary (2026) - Cleveland, OK - Chapman-Black Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPSUIyWTdiYk5EcFZDLWdTcnpNeDdPcll0MXZVU1QxU3hmUTFqSnhBdXg5eFlGXzl3WXB4MWFEcmxFZjNOWjdtc1NZcDhtdks0VnJ2UmstRVpfRDBaSnVPd0h2TEc1U1BpbjVDQnR2MlBQRUFtUm1BWDhuNFBDRUFnbzNYRQ?oc=5) · Legacy obituary
- 2025-08-07 [Carlotta Elaine Alexander Obituary (2025) - Cleveland, OK - Chapman-Black Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMzBGSTdnUm5wOTlpUDVtbXEtakFUTVFlYW5EZ2dNQzFFSWt1ajEwUm1ERC1YbVdyRWZxeVBocThmUDVraXgyX29CZl9BRzhSblNiTGg5OVlsdk5EZ2hkT2lrclpYMTJlSjlIdkZTeVpzcGdjbUoxNmVmTW9Qemxkakl3b1ZqX0k0?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4065 (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/33.json (key "4065", 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