Cleveland State Bank
BankRegReports is independent of Cleveland State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cleveland State Bank is an FDIC-insured commercial bank headquartered in Cleveland, WI, established in 1907 (FDIC certificate 9517), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $246.5M, up 9.6% from Q2 2025, the 111th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9517
- Headquarters
- Cleveland, WI
- Established
- 1907
- Total assets, Q2 2026
- $246.5M
- Assets vs Q2 2025
- +9.6%
- Tier 1 leverage ratio, Q2 2026
- 9.16%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 075904856
- Latest call report
- Q2 2026, FFIEC 051 · Cleveland State Bank call report
- Holding company
- WISCUB, INC.
- Asset rank in state
- 111th of 153 in Wisconsin
Cleveland State Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $246 million at June 30, 2026, up 9.6% from a year earlier; it is based in Cleveland, Wisconsin. It funds 9.16% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 8.1% over the year, about double the median of 4.0% for banks its size.
Its $16 million commercial and industrial book is improving, with 1.49% past due or on nonaccrual, down from 4.34% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.30% of loans from 0.62%.
As of June 30, 2026, Cleveland State Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.29%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Cleveland State Bank is the 111th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.9% to $246.5M, loans fell 0.2% and deposits rose 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.9% of total loans, followed by owner-occupied commercial real estate loans at 23.5%. The FDIC Summary of Deposits lists 3 offices for it, in Cleveland, WI, Howards Grove, WI and Elkhart Lake, WI; its Cleveland office books 54% of its branch deposits. On its Q2 2026 call report, Cleveland State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1250 W Washington Ave, Cleveland, WI 53015
- County
- Manitowoc
- Metro Area
- Manitowoc, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 19, 1907
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $209.9M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $252.5M
- Average total loans
- $161.5M
- Average interest-bearing deposits
- $148.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9517
- Fed RSSD
- 48440
- Website
- www.clevelandstate.bank →
- Parent Holding Company
- WISCUB, INC. (RSSD 1202865)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cleveland State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Cleveland State Bank's total assets ranged from $195.6M (Q3 2023) to $246.5M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$246.5M total assets against $224.8M; $226.6M total liabilities against $207.4M.
$160.8M net loans and leases against $154.7M; $209.9M total deposits against $194.2M.
$57.2M securities against $51.1M; $16.4M cash and balances due against $6.5M.
$3.2M total interest income against $3.0M; $1.0M total interest expense against $1.1M.
$2.2M net interest income against $1.9M.
$401K total noninterest income against $393K; $1.8M total noninterest expense against $1.5M.
$69K provision for credit losses against $66K.
$621K net income against $558K.
0.98% return on assets against 0.97%; 3.73% net interest margin against 3.62%.
9.16% tier 1 leverage ratio against 9.36%.
Inside the full Cleveland State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCleveland State Bank rankings
Its closest position to the top of a national ranking is 2,145 of 3,640, for Texas Ratio; its furthest is 2,595 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q4 2025) to 1.19% (Q1 2026) and its net interest margin ran from 3.23% (Q1 2025) to 4.22% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.16% | 0.98% | 0.30% | 2.29% | 3.73% |
| Q1 2026 | 9.51% | 1.19% | 0.24% | 1.58% | 4.22% |
| Q4 2025 | 9.18% | 0.45% | 0.27% | 1.76% | 3.68% |
| Q3 2025 | 9.61% | 0.90% | 0.43% | 2.71% | 3.67% |
| Q2 2025 | 9.36% | 0.97% | 0.62% | 5.08% | 3.62% |
| Q1 2025 | 8.99% | 0.85% | 0.60% | 5.04% | 3.23% |
| Q4 2024 | 8.86% | 1.01% | 0.62% | 5.43% | 3.32% |
| Q3 2024 | 9.18% | 1.03% | 0.64% | 5.28% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cleveland State Bank (main office) | Cleveland , WI | 53015 | $113.2M |
| Howards Grove Branch | Howards Grove , WI | 53083 | $74.9M |
| Elkhart Lake Branch | Elkhart Lake , WI | 53020 | $21.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 120 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 116 applications, 108 loans originated, $20.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $870K approved, $218K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Cleveland State Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Cleveland State Bank
What are Cleveland State Bank's total assets?
As of the Q2 2026 filing, Cleveland State Bank reported total assets of $246.5 million in its FFIEC call report.
Where is Cleveland State Bank headquartered?
It is headquartered in Cleveland, WI, United States.
When was Cleveland State Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Cleveland State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cleveland State Bank?
Cleveland State Bank's primary federal regulator is the FDIC.
How many branches does Cleveland State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cleveland State Bank's Texas Ratio?
Its Texas Ratio is 2.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Cleveland State Bank.
Get an email when Cleveland State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Cleveland State Bank, freeFree account