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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

$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

4.55%Q2 ’244.51%Q2 ’254.65%Q2 ’26+1%+3%

Non-interest income vs. expense

2.63%Q2 ’242.44%Q2 ’252.53%Q2 ’26-7%+4%

Executive Summary

  • Earnings: ROA of 0.99%, down 2 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.26% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

0.99%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+10 bps YoY

Efficiency Ratio (quarter, annualized)

66.73%+52 bps YoY

Tier 1 Leverage Ratio

11.18%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.10%0.85%1.02%0.99%-2 bps
Return on Equity16.14%16.28%12.00%14.75%13.78%-236 bps
Net Interest Margin3.25%3.26%3.28%3.24%3.35%+10 bps
Efficiency Ratio66.21%62.84%67.47%65.20%66.73%+52 bps
Non-Interest Burden2.01%1.87%2.03%1.94%2.09%+9 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 / Loans0.15%0.02%0.36%0.13%0.02%-13 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