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Cleveland State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 9517

Designations: ✓ CDFI-certified

Cleveland, WI

3 branches across WI

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 110 in WI.
  • Deposits +8.1% year over year ($209.9M on the books).
  • Delinquency rate 0.31%.
  • Return on assets 1.11%.
  • Efficiency ratio 68.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.59% 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 110 in WI
View $100M-$1B leaderboard (WI) →

Cleveland State Bank has 2 strengths but faces 2 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

  • + Net Interest Margin 0.08% above tier average
  • + Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.22% below tier average
  • - Efficiency Ratio 3.82% above tier average
Get updates when Cleveland State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $246.5M
+9.6% YoY +2.9% QoQ
-$140.1M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $160.8M
+3.9% YoY -0.2% QoQ
-$97.6M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
38%
Total Deposits ? $209.9M
+8.1% YoY +2.9% QoQ
-$116.8M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.11%
+18.5% YoY -7.2% QoQ
-0.22% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 4.07%
+15.2% YoY -4.6% QoQ
+0.08% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 68.30%
-0.1% YoY +0.7% QoQ
+3.82% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.31%
-51.6% YoY +25.4% QoQ
-0.61% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 76.59%
-3.8% YoY -3.0% QoQ
-1.36% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 28.48%
+10.6% YoY -0.9% QoQ
+6.45% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
77%
Nonperforming Asset Ratio ? 0.20%
-54.1% YoY +21.7% QoQ
-0.47% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 9.16%
-2.1% YoY -3.7% QoQ
-6.75% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 2.0% in tier
Non-Interest Income / Assets ? 0.30%
-8.0% YoY +112.9% QoQ
-0.27% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
72%

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 (WI) National Avg Tier Percentile
Noninterest-Bearing 28.5%
+2.7pp YoY
-0.3pp QoQ
 +6.3pp 22.1% 18.9% 22.2% 77%
Brokered Deposits 0.5%
-5.2pp YoY
-0.6pp QoQ
 -7.4pp 7.9% 9.2% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 10.1%
-1.9pp YoY
-1.5pp QoQ
 -1.4pp 11.6% 10.5% 12.5% 53%
CRE 39.1%
+1.0pp YoY
-0.1pp QoQ
 -0.4pp 39.5% 46.4% 41.4% 51%
1-4 Family 40.3%
+0.8pp YoY
+0.4pp QoQ
 +7.7pp 32.6% 32.3% 31.3% 71%
Consumer 2.3%
-0.1pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 2.6% 5.0% 52%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 9.2%
-0.2pp YoY
-0.4pp QoQ
 -3.0pp 12.2% 12.6% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 37
+1 (+2.8%) YoY
+1 (+2.8%) QoQ
 -22 58 134 482 37%
Assets per Employee ($) $6.7M
+6.7% YoY
+0.1% QoQ
 -$857K $7.5M $8.2M $8.8M 46%
Branch Count 3
0 YoY
0 QoQ
 -2 4 9 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
-0.3pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 0.9% 1.0% 39%
Allowance Coverage 3.39x
+84.1% YoY
-20.1% QoQ
 -20.76x 24.15x 56.89x 20.23x 62%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.0% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 13.8%
+1.0pp YoY
-1.1pp QoQ
 +1.6pp 12.2% 11.8% 11.6% 60%
Cost of Funds (YTD) 1.8%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 56%
Net Income ($, YTD) $1.3M
+25.5% YoY
— QoQ
 -$1.2M $2.6M $7.9M $40.4M 36%

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 (0)

No matched concern signatures this quarter

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

Top Strengths (1 metrics)

605
Non-Interest-Bearing Deposit Share
funding
Value: 28.48%
Peer Median: 22.03%
#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2590
Tier 1 Capital Ratio
capital
Value: 9.16%
Peer Median: 15.91%
#2590 of 2643 Bottom 2.0% in $100M-$1B
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