Cleveland State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 55.04 percentage points lower than in Q1 2026, at 271.38%. Within Wisconsin, Cleveland State Bank is 116th of 153 on return on assets, 0.98% as of Q2 2026, below the middle of the field. Cleveland State Bank reported 0.98% on return on assets for Q2 2026, 0.27 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.16% |
| Equity capital to assets | 8.05% |
| Tangible equity to tangible assets | 8.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.38% |
| Non-performing assets ratio | 0.25% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.86% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 271.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.98% |
| Return on equity | 12.72% |
| Net interest margin | 3.73% |
| Efficiency ratio | 68.06% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.39% |
| Core deposits to total deposits | 93.12% |
| Brokered deposits to total deposits | 0.48% |
| Deposits to assets | 85.16% |
| Securities to assets | 23.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.57% | 0.71% | 3.06% | 0.17% | 0.00% |
| Q4 2023 | 9.17% | -0.55% | 3.17% | 0.16% | 0.00% |
| Q1 2024 | 9.35% | 0.62% | 3.02% | 0.22% | 0.00% |
| Q2 2024 | 9.21% | 0.64% | 3.14% | 0.20% | 0.00% |
| Q3 2024 | 9.18% | 1.03% | 3.34% | 0.64% | 0.00% |
| Q4 2024 | 8.86% | 1.01% | 3.32% | 0.98% | 0.00% |
| Q1 2025 | 8.99% | 0.85% | 3.23% | 0.95% | 0.00% |
| Q2 2025 | 9.36% | 0.97% | 3.62% | 0.96% | 0.00% |
| Q3 2025 | 9.61% | 0.90% | 3.67% | 0.85% | 0.00% |
| Q4 2025 | 9.18% | 0.45% | 3.68% | 0.34% | 0.34% |
| Q1 2026 | 9.51% | 1.19% | 4.22% | 0.31% | 0.00% |
| Q2 2026 | 9.16% | 0.98% | 3.73% | 0.38% | -0.00% |
Cleveland State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cleveland State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cleveland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9517) · FFIEC NIC profile (RSSD 48440)