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Cleveland State Bank, The

Cleveland, MS · Cert 12201 · Cleveland State Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cleveland State Bank, The

Cleveland, MS · Cert 12201 · Cleveland State Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$340.2MAssets
$179.0MLoans
$312.0MDeposits
$25.6MEquity
Loan mix
62%RE $102.9M29%C&I $47.8M10%Consumer $16.2MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $222.9M29%Noninterest $89.1MQ2 2025Q2 2026

NIM

4.47%Q2 ’244.43%Q2 ’254.58%Q2 ’26-1%+4%

Non-interest income vs. expense

2.60%Q2 ’242.37%Q2 ’252.48%Q2 ’26-2%+5%

Executive Summary

  • Earnings: ROA of 1.01%, down 1 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.26% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 11.18%, up 43 bps from a year ago.
  • Funding: loans stand at 57.36% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+12 bps YoY

Efficiency Ratio (YTD, annualized)

65.97%+56 bps YoY

Tier 1 Leverage Ratio

11.18%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.02%1.04%0.99%1.02%1.01%-1 bps
Return on Equity16.72%16.43%15.32%14.75%14.17%-254 bps
Net Interest Margin3.17%3.28%3.27%3.24%3.29%+12 bps
Efficiency Ratio65.42%64.56%65.31%65.20%65.97%+56 bps
Non-Interest Burden1.91%1.95%1.96%1.94%2.01%+10 bps
Growth
Asset Growth (YoY)2.10%4.28%4.36%4.29%4.65%+256 bps
Loan Growth (YoY)2.88%5.06%3.99%5.88%4.99%+211 bps
Deposit Growth (YoY)1.58%3.88%3.27%3.57%3.47%+189 bps
Asset Quality
Nonperforming Loans / Loans0.26%0.51%0.32%0.21%0.26%0 bps
Net Charge-Offs / Loans0.12%0.09%0.16%0.13%0.07%-5 bps
Allowance / Loans1.30%1.30%1.34%1.31%1.27%-4 bps
Allowance Coverage of NPLs5.0x2.5x4.2x6.1x4.8x-0.2x
Capital
Tier 1 Leverage Ratio10.76%11.46%11.09%10.99%11.18%+43 bps
Total Risk-Based Capital10.76%11.46%11.09%10.99%11.18%+43 bps
Equity / Assets6.38%7.15%6.96%6.85%7.51%+113 bps
Liquidity & Funding
Loans / Deposits56.53%56.55%54.19%53.78%57.36%+83 bps
Liquid Assets / Assets17.77%17.83%18.31%19.94%17.14%-63 bps
CRE / Total Capitaln/a107.22%103.74%96.67%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cleveland State Bank, The

Cleveland, MS · Cert 12201 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Cleveland State Bcorp Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$340.2MAssets
$179.0MLoans
$312.0MDeposits
$25.6MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 73% of banks under $1B in assets operating in a single state (rank 203 of 746).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets operating in a single state (rank 678 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.01%

Rank 401 of 746

Net Interest Margin

3.29%

Rank 524 of 746

Efficiency Ratio

65.97%

Rank 406 of 746

Equity / Assets

7.51%

Rank 678 of 746

Non-interest income vs. expense

$1.6M$8.4MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state
Bank 65.97%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.01%0.72%1.06%1.45%Beats 46%401 / 746
Return on Equity13.45%6.74%10.51%13.63%Beats 73%203 / 746
Net Interest Margin3.29%3.17%3.68%4.16%Beats 30%524 / 746
Efficiency Ratio65.97%55.74%64.58%75.47%Beats 46%406 / 746
Asset Quality
Nonperforming Loans / Loans0.26%0.09%0.42%1.07%Beats 61%289 / 743
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 29%526 / 743
Capital
Tier 1 Capital Ratio11.18%11.55%13.75%17.60%Beats 21%586 / 746
Total Risk-Based Capital Ratio11.18%11.71%14.33%18.43%Beats 20%598 / 746
Equity / Assets7.51%8.90%10.51%13.06%Beats 9%678 / 746
Liquidity & Funding
Loans / Deposits57.36%61.31%78.27%90.78%20th pctl598 / 746
Loans / Assets52.60%53.60%66.97%76.08%23rd pctl572 / 746
Brokered Deposits / Depositsn/aNot reported for this institution