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Cleveland State Bank

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

Designations: ✓ CDFI-certified

Cleveland, WI

3 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI
View $100M-$1B leaderboard (WI) →

Cleveland State Bank has 2 strengths but faces 3 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 0.33% above tier average
  • + Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 31.7% in tier
  • - ROA 0.08% below tier average
  • - Efficiency Ratio 2.56% above tier average
Get updates when Cleveland State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $239.6M
+5.0% YoY +3.4% QoQ
-$146.5M $386.1M
+0.5% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $161.0M
+5.0% YoY +3.5% QoQ
-$94.7M $255.7M
+1.1% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
39%
Total Deposits ? $203.9M
+2.9% YoY +1.9% QoQ
-$124.1M $328.0M
+0.1% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
35%
Return on Assets ? 1.19%
+35.9% YoY +46.9% QoQ
-0.08% 1.27%
+12.9% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
49%
Net Interest Margin ? 4.26%
+27.3% YoY +16.5% QoQ
+0.33% 3.93%
+6.0% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
71%
Efficiency Ratio ? 67.84%
-3.9% YoY -8.4% QoQ
+2.56% 65.29%
-4.5% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
37%
Delinquency Rate ? 0.24%
-59.7% YoY -10.0% QoQ
-0.64% 0.89%
+18.8% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
61%
Loan-to-Deposit Ratio ? 78.98%
+2.1% YoY +1.5% QoQ
+2.35% 76.64%
+0.8% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
49%
Non-Interest-Bearing Deposit Share ? 28.75%
+12.0% YoY +13.3% QoQ
+6.73% 22.02%
-1.0% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
79%
Nonperforming Asset Ratio ? 0.16%
-59.7% YoY -10.0% QoQ
-0.47% 0.64%
+19.7% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
63%
Tier 1 Capital Ratio ? 9.51%
+5.8% YoY +3.6% QoQ
-6.32% 15.83%
+1.5% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
Bottom 4.5% in tier
Non-Interest Income / Assets ? 0.14%
-5.4% YoY -78.5% QoQ
-0.14% 0.28%
+9.3% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
71%

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 (1)

Capital Thin

risk
#212 of 666 • Bottom 31.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.51%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

566
Non-Interest-Bearing Deposit Share
funding
Value: 28.75%
Peer Median: 22.02%
#566 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (1 metrics)

2544
Tier 1 Capital Ratio
capital
Value: 9.51%
Peer Median: 15.83%
#2544 of 2664 Bottom 4.5% in $100M-$1B
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