Cleveland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cleveland State Bank of Cleveland, WI against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.98% | 1.35% | -0.37% | 32nd below |
| ROAE | 12.72% | 12.05% | +0.67% | 52nd above |
| Net Interest Margin | 3.73% | 3.90% | -0.17% | 38th below |
| Efficiency Ratio | 68.06% | 63.15% | +4.91% | 32nd below |
| PPNR / Avg Assets | 1.28% | 1.64% | -0.36% | 33rd below |
| Yield on Earning Assets | 5.43% | 5.65% | -0.22% | 41st below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.82% | 1.85% | -0.03% | 48th below |
| Net Interest Spread | 2.93% | 3.35% | -0.42% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.38% | 0.92% | -0.54% | 52nd above |
| NPA / Total Assets | 0.25% | 0.67% | -0.42% | 55th above |
| NCO / Avg Loans | -0.00% | 0.15% | -0.15% | 78th top |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 271.38% | 1645.72% | -1374.34% | 57th above |
| Texas Ratio | 2.86% | 7.15% | -4.29% | 54th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.16% | 12.46% | -3.30% | 15th bottom |
| Equity / Assets | 8.05% | 11.67% | -3.62% | 14th bottom |
| TCE / Tangible Assets | 8.05% | 11.40% | -3.35% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.39% | 78.64% | -1.25% | 56th above |
| Core Deposit Ratio | 93.12% | 87.09% | +6.03% | 74th above |
| Wholesale Funding Ratio | 5.88% | 5.11% | +0.77% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.62% | 6.47% | +3.15% | 81st top |
| Loan Growth (Y/Y) | 3.81% | 7.64% | -3.83% | 41st below |
| Deposit Growth (Y/Y) | 8.08% | 6.02% | +2.06% | 76th top |
See Cleveland State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cleveland State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cleveland State Bank profile, how to read a UBPR, or how this data updates.