Total Assets
$232M
Total balance-sheet footings
FDIC Cert #9517 · Cleveland, Wisconsin · Est. 1907
Cleveland State Bank - FDIC Bank Health Profile
A community-scale look at Cleveland State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $232M
- Total assets
- C
- Health grade · Fair
- 0.81%
- Return on assets
- 9.2%
- Tier 1 capital
Data updated July 2026
The verdict
Cleveland State Bank earns a PlainBankData health grade of C (56/100), with 9.18% Tier 1 capital, 0.81% ROA, 74% efficiency ratio.
- #2,841
- largest of 4,313 FDIC banks by assets
- 34th
- percentile by asset size, nationally
- 9.18%
- Tier 1 ratio - below the 10% well-capitalized line
- 30th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Cleveland State Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cleveland State Bank's composite health score
Tier 1 Capital Ratio (9.18%) 18/40
Return on Assets (ROA) (0.81%) 14/25
Texas Ratio (2.07%) 20/20
Efficiency Ratio (74.05%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$200M
Customer-funded liabilities
Net Loans
$156M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cleveland State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cleveland State Bank's score of 56/100 falls in the highlighted band.
Cleveland State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cleveland State Bank's $232M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.18% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.18%
Texas Ratio
2.07%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
30th percentile nationally
0.81%
Return on Equity (ROE)
10.54%
Efficiency Ratio
74.05%
What the numbers say about Cleveland State Bank
Cleveland State Bank is an FDIC-insured institution (Certificate #9517) headquartered in Cleveland, Wisconsin, established in 1907. It holds $232M in total assets - 2,841st of 4,313 FDIC-insured banks, $200M in customer deposits, and $156M in net loans. Its capital position: a Tier 1 ratio of 9.18%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.07% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Cleveland State Bank sits 115th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$2M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cleveland State Bank reports a Texas Ratio of 2.07% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.07% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cleveland State Bank (FDIC Cert #9517) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Cleveland State Bank's health grade?▼
Cleveland State Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Cleveland State Bank?▼
Cleveland State Bank holds $232M in total assets and $200M in deposits, ranking 2,841st of 4,313 FDIC-insured banks by asset size. It is headquartered in Cleveland, Wisconsin.
Is my money safe at Cleveland State Bank?▼
Yes, deposits at Cleveland State Bank (Certificate #9517) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cleveland State Bank's Tier 1 Capital Ratio?▼
Cleveland State Bank has a Tier 1 Capital Ratio of 9.18%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Cleveland State Bank?▼
Cleveland State Bank has a Texas Ratio of 2.07%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cleveland State Bank?▼
Cleveland State Bank has an Efficiency Ratio of 74.05%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cleveland State Bank's profile as a depositor or analyst.
- Cleveland State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cleveland State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.