The Cleveland State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Cleveland State Bank is an FDIC-insured commercial bank headquartered in Cleveland, MS, established in 1908 (FDIC certificate 12201), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $340.2M, up 4.7% from Q2 2025, the 36th largest of 57 banks headquartered in Mississippi. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.18% 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
- 12201
- Headquarters
- Cleveland, MS
- Established
- 1908
- Total assets, Q2 2026
- $340.2M
- Assets vs Q2 2025
- +4.7%
- Tier 1 leverage ratio, Q2 2026
- 11.18%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 084202280
- Latest call report
- Q2 2026, FFIEC 051 · The Cleveland State Bank call report
- Holding company
- CLEVELAND STATE BANCORP, INC.
- Asset rank in state
- 36th of 57 in Mississippi
Little in The Cleveland State Bank's latest call report stands out. It reported $340 million in assets at June 30, 2026, up 4.7% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 37% of Tier 1 capital, down from 48% a year earlier. Its $53 million commercial and industrial book is improving, with 0.06% past due or on nonaccrual, down from 0.92% a year earlier.
As of June 30, 2026, The Cleveland State Bank reported a return on assets of 1.00%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 1.69%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Cleveland State Bank is the 36th largest of the 57 banks headquartered in Mississippi. From Q1 2026 to Q2 2026, its total assets fell 1.6% to $340.2M, loans rose 4.2% and deposits fell 2.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 34.1% of total loans, followed by commercial and industrial loans at 29.9%. The FDIC Summary of Deposits lists 4 offices for it, in Cleveland, MS, Grenada, MS and Merigold, MS; its Cleveland 2 offices book 77% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Cleveland State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 Commerce Ave, Cleveland, MS 38732
- County
- Bolivar
- Metro Area
- Cleveland, MS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 8, 1908
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $312.0M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $63K
- Average total assets
- $339.0M
- Average total loans
- $176.1M
- Average interest-bearing deposits
- $220.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12201
- Fed RSSD
- 12142
- Website
- www.clevelandstatebank.com →
- Parent Holding Company
- CLEVELAND STATE BANCORP, INC. (RSSD 1913684)
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, The Cleveland State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Cleveland State Bank's total assets moved between a low of $306.4M (Q3 2023) and a high of $345.7M (Q1 2026) from Q3 2023 to 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
$340.2M total assets against $325.1M; $314.7M total liabilities against $304.3M.
$176.7M net loans and leases against $168.2M; $312.0M total deposits against $301.5M.
$122.9M securities against $120.8M; $21.8M cash and balances due against $17.1M.
$3.9M total interest income against $3.8M; $1.1M total interest expense against $1.1M.
$2.8M net interest income against $2.7M.
$373K total noninterest income against $370K; $2.1M total noninterest expense against $2.1M.
$30K provision for credit losses against $30K.
$848K net income against $828K.
1.00% return on assets against 0.98%; 3.55% net interest margin against 3.52%.
11.18% tier 1 leverage ratio against 10.76%.
Inside the full The Cleveland State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Cleveland State Bank rankings
Its closest position to the top of a national ranking is 2,283 of 4,196, for total assets; its furthest is 2,510 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.11% (Q3 2025) and its net interest margin ran from 3.39% (Q1 2025) to 3.55% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.00% | 0.26% | 1.69% | 3.55% |
| Q1 2026 | 10.99% | 1.03% | 0.21% | 2.06% | 3.45% |
| Q4 2025 | 11.09% | 0.87% | 0.32% | 2.71% | 3.49% |
| Q3 2025 | 11.46% | 1.11% | 0.51% | 4.05% | 3.44% |
| Q2 2025 | 10.76% | 0.98% | 0.26% | 2.65% | 3.52% |
| Q1 2025 | 10.95% | 1.03% | 0.20% | 1.47% | 3.39% |
| Q4 2024 | 11.02% | 0.87% | 0.21% | 1.60% | 3.44% |
| Q3 2024 | 11.26% | 0.82% | 0.07% | 0.51% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| The Cleveland State Bank | Cleveland , MS | 38732 | $216.5M |
| Grenada State Bank, A Branch of the Cleveland State Bank | Grenada , MS | 38901 | $41.3M |
| Merigold Branch | Merigold , MS | 38759 | $29.8M |
| West Side Branch | Cleveland , MS | 38732 | $24.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in MS, rank 39 of 80 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $22K approved, $22K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Cleveland State Bank
What are The Cleveland State Bank's total assets?
As of the Q2 2026 filing, The Cleveland State Bank reported total assets of $340.2 million in its FFIEC call report.
Where is The Cleveland State Bank headquartered?
It is headquartered in Cleveland, MS, United States.
When was The Cleveland State Bank founded?
It was established in 1908, per the FDIC institution directory.
Is The Cleveland State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cleveland State Bank?
The Cleveland State Bank's primary federal regulator is the FDIC.
How many branches does The Cleveland State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cleveland State Bank's Texas Ratio?
Its Texas Ratio is 1.69% 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.
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