BlastPoint's Banking Scorecard

The Cleveland State Bank

$100M-$1B Specialty: Commercial MS FDIC cert 12201

Cleveland, MS

4 branches across MS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MS.
Deposits +3.5% year over year ($312.0M on the books).
Delinquency rate 0.27%.
Return on assets 1.01%.
Efficiency ratio 65.97% vs a 64.48% peer average.
Loan-to-deposit ratio 56.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MS

View $100M-$1B leaderboard (MS) →

The Cleveland State Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.9% in tier
- Credit Risk Growth: Bottom 12.1% in tier
- ROA 0.32% below tier average
- Net Interest Margin 0.41% below tier average
- Efficiency Ratio 1.50% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$340.2M +4.7% YoY -1.6% QoQ	-$46.3M	$386.6M +1.2% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$176.7M +5.0% YoY +4.2% QoQ	-$81.6M	$258.3M +1.7% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$312.0M +3.5% YoY -2.3% QoQ	-$14.7M	$326.7M +0.7% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	1.01% -1.0% YoY -1.1% QoQ	-0.32%	1.32% +10.8% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	3.57% -0.4% YoY +1.8% QoQ	-0.41%	3.99% +5.0% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	65.97% +0.8% YoY +1.2% QoQ	+1.50%	64.48% -3.2% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.27% +1.2% YoY +22.8% QoQ	-0.65%	0.92% +15.7% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	56.63% +1.5% YoY +6.7% QoQ	-21.32%	77.95% +1.0% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	Top 14.0% in tier
Non-Interest-Bearing Deposit Share ?	28.56% -4.2% YoY -8.0% QoQ	+6.53%	22.03% -0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.14% -26.0% YoY -10.2% QoQ	-0.53%	0.67% +16.4% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	11.18% +4.0% YoY +1.8% QoQ	-4.72%	15.91% +1.4% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.23% -3.5% YoY +93.8% QoQ	-0.34%	0.57% +7.6% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	59%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Noninterest-Bearing	28.6% -1.2pp YoY -2.5pp QoQ	+6.4pp	22.1%	23.1%	22.2%	77%
Brokered Deposits	1.3% 0.0pp QoQ	-6.6pp	7.9%	3.8%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	30.3% +3.9pp YoY +2.1pp QoQ	+18.7pp	11.6%	12.4%	12.5%	96%
CRE	21.2% -3.0pp YoY +0.1pp QoQ	-18.3pp	39.5%	42.3%	41.4%	20%
1-4 Family	34.5% +0.9pp YoY -1.6pp QoQ	+1.9pp	32.6%	33.1%	31.3%	60%
Consumer	9.6% -0.1pp YoY +0.1pp QoQ	+5.5pp	4.1%	5.6%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.5%	19.7%	n/a
Leverage Ratio	11.2% +0.4pp YoY +0.2pp QoQ	-1.0pp	12.2%	11.9%	12.6%	54%
Total Capital Ratio	n/a	n/a	19.9%	17.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	57 0 YoY -1 (-1.7%) QoQ	-2	58	297	482	60%
Assets per Employee ($)	$6.0M +4.7% YoY +0.1% QoQ	-$1.5M	$7.5M	$6.2M	$8.8M	33%
Branch Count	4 0 YoY 0 QoQ	-1	4	22	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.9%	1.0%	36%
Allowance Coverage	4.81x -3.9% YoY -21.1% QoQ	-19.34x	24.15x	4.87x	20.23x	70%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	14.2% -2.5pp YoY -0.6pp QoQ	+2.0pp	12.2%	11.7%	11.6%	63%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	30%
Net Income ($, YTD)	$1.7M +3.4% YoY — QoQ	-$837K	$2.6M	$13.8M	$40.4M	47%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#151 of 1256 • Bottom 11.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#114 of 936 • Bottom 12.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

372

Loan-to-Deposit Ratio

liquidity

Value: 56.63%

Peer Median: 77.95%

#372 of 2643 Top 14.0% in $100M-$1B

593

Non-Interest-Bearing Deposit Share

funding

Value: 28.56%

Peer Median: 22.03%

#593 of 2643 Top 22.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available