Cleo State Bank is a bank based in Cleo Springs, Oklahoma, established in 1900, with $115 million in total assets across 4 branches. By Trust Grade it ranks 46th of 170 banks we track in Oklahoma. Its capital ratio of 16.0% is stronger than 92% of similarly sized banks, versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.73% return on assets. No consumer complaints against Cleo State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cleo State Bank compares to Oklahoma peers
How we graded Cleo State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.0% capital ratio)
- Strongly profitable (ROA 1.73%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cleo State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 401 E Main St, Carmen, OK 73726
- 202 S Square St, Cleo Springs, OK 73729
- 101 Highway 412, Meno, OK 73760
- 502 W Main St, Jet, OK 73749
Are deposits at Cleo State Bank insured?
Yes. Cleo State Bank is an FDIC-insured bank (FDIC certificate #406). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cleo State Bank: frequently asked questions
Is Cleo State Bank a good bank?
Cleo State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.0% capital ratio); Strongly profitable (ROA 1.73%).
Is Cleo State Bank FDIC-insured?
Yes. Cleo State Bank is a FDIC-insured bank (FDIC certificate #406). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Cleo State Bank?
Cleo State Bank holds $115 million in total assets, ranking 46th of 170 banks we track in Oklahoma. It operates 4 branches.
Does Cleo State Bank have CFPB complaints?
No CFPB complaints against Cleo State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
