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BDI
CS

Cleo State Bank

Cleo Springs, OklahomaFDIC Cert #406

STATEEstablished 19004 branches

Holding company: CLEO BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
4.36%
+1,013.1%y/y
Peer standing2nd percentile
Peer standing in asset:100m_300m
FDICP3ASSET + LNLSGR
90+ %
0.59%
−45.2%y/y
Peer standing9th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.43%
+18.0%y/y
Peer standing40th percentile
Peer standing in asset:100m_300m
FDICNAASSET + LNLSGR
Noncurrent %
1.02%
−29.1%y/y
Peer standing28th percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.64%
−15.1%y/y
Peer standing31st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$731K
−13.7%y/y
Peer standing41st percentile
Peer standing in asset:100m_300m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.01%
−102.2%y/y
Peer standing82nd percentile
Peer standing in asset:100m_300m
FDICNTLNLS + LNLSGR
NCO
−$1K
−102.5%y/y
Peer standing81st percentile
Peer standing in asset:100m_300m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.82%
−18.3%y/y
Percentile by value13th percentileby value
Peer standing in asset:100m_300m
FDICLNATRES + LNLSGR
30–89
$3.13M
+1,255.8%y/y
Peer standing8th percentile
Peer standing in asset:100m_300m
FDICP3ASSET
90+
$422K
−33.2%y/y
Peer standing13th percentile
Peer standing in asset:100m_300m
FDICP9ASSET
Nonaccrual
$309K
+43.7%y/y
Peer standing47th percentile
Peer standing in asset:100m_300m
FDICNAASSET