The Cleveland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cleveland State Bank of Cleveland, MS 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 | 1.00% | 1.34% | -0.34% | 33rd below |
| ROAE | 13.78% | 13.31% | +0.47% | 59th above |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 29th below |
| Efficiency Ratio | 65.17% | 61.14% | +4.03% | 39th below |
| PPNR / Avg Assets | 1.26% | 1.68% | -0.42% | 32nd below |
| Yield on Earning Assets | 4.89% | 5.67% | -0.78% | 19th bottom |
| Cost of Funds | 1.40% | 1.88% | -0.48% | 75th top |
| Net Interest Spread | 2.90% | 3.32% | -0.42% | 29th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.33% | 0.94% | -0.61% | 55th above |
| NPA / Total Assets | 0.18% | 0.70% | -0.52% | 62nd above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 34th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 58th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 379.40% | 1539.09% | -1159.69% | 65th above |
| Texas Ratio | 2.15% | 7.33% | -5.18% | 62nd above |
| Provision / NCO | 95.24% | 1396.14% | -1300.90% | 38th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.18% | 12.14% | -0.96% | 54th above |
| Equity / Assets | 7.51% | 11.38% | -3.87% | 9th bottom |
| TCE / Tangible Assets | 7.51% | 11.09% | -3.58% | 11th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.36% | 80.64% | -23.28% | 86th top |
| Core Deposit Ratio | 84.95% | 86.86% | -1.91% | 30th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.65% | 6.85% | -2.20% | 52nd above |
| Loan Growth (Y/Y) | 4.99% | 7.90% | -2.91% | 48th below |
| Deposit Growth (Y/Y) | 3.47% | 6.29% | -2.82% | 46th below |
See The 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 The 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 The Cleveland State Bank profile, how to read a UBPR, or how this data updates.