The Cleveland State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 3.55%. Within Mississippi, The Cleveland State Bank is 41st of 57 on net interest margin, 3.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Cleveland State Bank sits 0.40 points lower, at 3.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.89% |
| Yield on loans | 6.68% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.17% | 1.04% | 3.16% | 5.84% | 2.22% |
| Q4 2023 | 4.24% | 1.15% | 3.17% | 6.01% | 2.26% |
| Q1 2024 | 4.55% | 1.27% | 3.35% | 6.31% | 2.35% |
| Q2 2024 | 4.73% | 1.40% | 3.36% | 6.50% | 2.38% |
| Q3 2024 | 4.81% | 1.48% | 3.40% | 6.68% | 2.38% |
| Q4 2024 | 4.84% | 1.48% | 3.44% | 6.71% | 2.43% |
| Q1 2025 | 4.75% | 1.43% | 3.39% | 6.64% | 2.53% |
| Q2 2025 | 4.84% | 1.40% | 3.52% | 6.66% | 2.56% |
| Q3 2025 | 4.91% | 1.53% | 3.44% | 6.74% | 2.60% |
| Q4 2025 | 4.90% | 1.49% | 3.49% | 6.76% | 2.59% |
| Q1 2026 | 4.79% | 1.39% | 3.45% | 6.68% | 2.60% |
| Q2 2026 | 4.89% | 1.40% | 3.55% | 6.68% | 2.64% |
The Cleveland State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cleveland State Bank, freeSource: Call Report Schedules RI and RC-K, 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.
Regulator records: FDIC BankFind (cert 12201) · FFIEC NIC profile (RSSD 12142)