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
Unfavorable gap of $6.8M · efficiency ratio beats 46% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |