Bank of Cleveland
Cleveland, TN · Cert 26955 · Peer group: banks under $1B in assets (n=528-576)
FDIC · 5 branches
Q2 2025
$381.2MAssets
$287.6MLoans
$282.1MDeposits
$93.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 528).
- Widest gap: return on equity trails 84% of banks under $1B in assets (rank 482 of 575).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
0.64%
Rank 385 of 576
Net Interest Margin
4.21%
Rank 85 of 575
Efficiency Ratio
43.39%
Rank 28 of 575
Equity / Assets
24.40%
Rank 61 of 575
Non-interest income vs. expense
Unfavorable gap of $5.6M · efficiency ratio beats 95% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.51% | 0.91% | 1.43% | Beats 33% | 385 / 576 | |
| Return on Equity | 2.64% | 4.85% | 8.92% | 13.13% | Beats 16% | 482 / 575 | |
| Net Interest Margin | 4.21% | 2.85% | 3.33% | 3.90% | Beats 85% | 85 / 575 | |
| Efficiency Ratio | 43.39% | 58.61% | 70.08% | 82.08% | Beats 95% | 28 / 575 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.06% | 0.34% | 0.93% | Beats 100% | 84 / 528 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 156 / 528 | |
| Capital |
| Tier 1 Capital Ratio | 22.22% | 11.22% | 13.91% | 18.96% | Beats 81% | 109 / 575 | |
| Total Risk-Based Capital Ratio | 23.31% | 11.76% | 14.45% | 19.92% | Beats 81% | 108 / 575 | |
| Equity / Assets | 24.40% | 8.53% | 10.12% | 12.97% | Beats 89% | 61 / 575 | |
| Liquidity & Funding |
| Loans / Deposits | 101.93% | 64.54% | 78.36% | 91.99% | 91st pctl | 47 / 538 | |
| Loans / Assets | 75.44% | 55.85% | 68.40% | 77.98% | 69th pctl | 166 / 528 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |