CLEVELAND STATE BANK, THE

CLEVELAND, MS | Small | Est. Feb. 8, 1908, midnight | FDIC #12201 | RSSD #12142 | FDIC
Latest Report: 2025-12-31

CLEVELAND STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in CLEVELAND, MS, established in Feb. 8, 1908, midnight. As of 2025-12-31, the bank reported total assets of $338M and total deposits of $311M. Profitability stands at 0.85% ROA and 12.00% ROE, with a net interest margin of 3.49%. The bank's CET1 capital ratio is 6.96%. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 2.23%. FDIC Certificate #12201.

Assets

$338M

Deposits

$311M

Loans

$169M

Equity

$23M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 12.00%
Net Interest Margin (NIM) 3.49%
Yield on Assets 4.94%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.16%
Texas Ratio 2.23%
NPA Ratio 0.17%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 6.96%
Tier 1 Capital 6.96%
Total Capital Ratio 7.31%
Leverage Ratio 11.09%
Loan-to-Deposit 54.19%

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