Cleveland, MS · Cert 12201 · Cleveland State Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
17
Asset Quality
45
Profitability
50
Liquidity
34
Efficiency
46
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.
Cleveland, MS · Cert 12201 · Cleveland State Bcorp Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.91% | 1.02% | 1.02% | 1.04% | 0.99% | 1.02% | 1.01% | -1 bps | |
| Return on Equity | 16.00% | 15.69% | 17.15% | 16.72% | 16.43% | 15.32% | 14.75% | 14.17% | -254 bps | |
| Net Interest Margin | 3.22% | 3.24% | 3.21% | 3.17% | 3.28% | 3.27% | 3.24% | 3.29% | +12 bps | |
| Efficiency Ratio | 68.62% | 69.58% | 64.61% | 65.42% | 64.56% | 65.31% | 65.20% | 65.97% | +56 bps | |
| Non-Interest Burden | 2.03% | 2.08% | 1.90% | 1.91% | 1.95% | 1.96% | 1.94% | 2.01% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | 2.72% | 2.09% | 2.10% | 4.28% | 4.36% | 4.29% | 4.65% | +256 bps | |
| Loan Growth (YoY) | 5.96% | 4.58% | 1.00% | 2.88% | 5.06% | 3.99% | 5.88% | 4.99% | +211 bps | |
| Deposit Growth (YoY) | 2.52% | 2.56% | 1.40% | 1.58% | 3.88% | 3.27% | 3.57% | 3.47% | +189 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.07% | 0.21% | 0.20% | 0.26% | 0.51% | 0.32% | 0.21% | 0.26% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.11% | 0.10% | 0.12% | 0.09% | 0.16% | 0.13% | 0.07% | -5 bps | |
| Allowance / Loans | 1.40% | 1.41% | 1.40% | 1.30% | 1.30% | 1.34% | 1.31% | 1.27% | -4 bps | |
| Allowance Coverage of NPLs | 19.4x | 6.8x | 6.8x | 5.0x | 2.5x | 4.2x | 6.1x | 4.8x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.26% | 11.02% | 10.95% | 10.76% | 11.46% | 11.09% | 10.99% | 11.18% | +43 bps | |
| Total Risk-Based Capital | 11.26% | 11.02% | 10.95% | 10.76% | 11.46% | 11.09% | 10.99% | 11.18% | +43 bps | |
| Equity / Assets | 6.59% | 5.74% | 6.12% | 6.38% | 7.15% | 6.96% | 6.85% | 7.51% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.92% | 53.81% | 52.61% | 56.53% | 56.55% | 54.19% | 53.78% | 57.36% | +83 bps | |
| Liquid Assets / Assets | 17.89% | 19.13% | 20.38% | 17.77% | 17.83% | 18.31% | 19.94% | 17.14% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 107.22% | 103.74% | 96.67% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.01% | 0.72% | 1.06% | 1.45% | Beats 46% | 401 / 746 | ||
| Return on Equity | 13.45% | 6.74% | 10.51% | 13.63% | Beats 73% | 203 / 746 | ||
| Net Interest Margin | 3.29% | 3.17% | 3.68% | 4.16% | Beats 30% | 524 / 746 | ||
| Efficiency Ratio | 65.97% | 55.74% | 64.58% | 75.47% | Beats 46% | 406 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.26% | 0.09% | 0.42% | 1.07% | Beats 61% | 289 / 743 | ||
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.01% | 0.05% | Beats 29% | 526 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.18% | 11.55% | 13.75% | 17.60% | Beats 21% | 586 / 746 | ||
| Total Risk-Based Capital Ratio | 11.18% | 11.71% | 14.33% | 18.43% | Beats 20% | 598 / 746 | ||
| Equity / Assets | 7.51% | 8.90% | 10.51% | 13.06% | Beats 9% | 678 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.36% | 61.31% | 78.27% | 90.78% | 20th pctl | 598 / 746 | ||
| Loans / Assets | 52.60% | 53.60% | 66.97% | 76.08% | 23rd pctl | 572 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||