The 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.
Reserve coverage of non-performing loans dropped 73.02 percentage points in Q2 2026, from 452.42% to 379.40%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, The Cleveland State Bank is 39th of 57 on return on assets, 1.00% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Cleveland State Bank sits 0.25 points lower, at 1.00% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.18% |
| Equity capital to assets | 7.51% |
| Tangible equity to tangible assets | 7.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.33% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.15% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 379.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 13.78% |
| Net interest margin | 3.55% |
| Efficiency ratio | 65.17% |
| Yield on earning assets | 4.89% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.36% |
| Core deposits to total deposits | 84.95% |
| Brokered deposits to total deposits | 1.28% |
| Deposits to assets | 91.71% |
| Securities to assets | 36.14% |
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 | 11.50% | 3.53% | 3.16% | 0.24% | 0.01% |
| Q4 2023 | 10.89% | -0.30% | 3.17% | 0.49% | 0.09% |
| Q1 2024 | 10.70% | 1.15% | 3.35% | 0.29% | 0.03% |
| Q2 2024 | 10.93% | 0.83% | 3.36% | 0.28% | 0.01% |
| Q3 2024 | 11.26% | 0.82% | 3.40% | 0.35% | 0.29% |
| Q4 2024 | 11.02% | 0.87% | 3.44% | 0.38% | 0.10% |
| Q1 2025 | 10.95% | 1.03% | 3.39% | 0.38% | 0.10% |
| Q2 2025 | 10.76% | 0.98% | 3.52% | 0.43% | 0.15% |
| Q3 2025 | 11.46% | 1.11% | 3.44% | 0.59% | 0.02% |
| Q4 2025 | 11.09% | 0.87% | 3.49% | 0.42% | 0.36% |
| Q1 2026 | 10.99% | 1.03% | 3.45% | 0.29% | 0.13% |
| Q2 2026 | 11.18% | 1.00% | 3.55% | 0.33% | 0.02% |
The Cleveland State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Cleveland State Bank profile, peer group comparison, or how this data updates.
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