Total Assets
$338M
Total balance-sheet footings
FDIC Cert #12201 · Cleveland, Mississippi · Est. 1908
The Cleveland State Bank - FDIC Bank Health Profile
A community-scale look at The Cleveland State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $338M
- Total assets
- B
- Health grade · Good
- 0.99%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
The Cleveland State Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.09% Tier 1, 0.99% ROA, 65% efficiency ratio.
- #2,322
- largest of 4,313 FDIC banks by assets
- 46th
- percentile by asset size, nationally
- 11.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 42nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The Cleveland State Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Cleveland State Bank's composite health score
Tier 1 Capital Ratio (11.09%) 28/40
Return on Assets (ROA) (0.99%) 14/25
Texas Ratio (2.07%) 20/20
Efficiency Ratio (65.31%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$311M
Customer-funded liabilities
Net Loans
$166M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Cleveland State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Cleveland State Bank's score of 70/100 falls in the highlighted band.
The 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). The Cleveland State Bank's $338M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.09%
Texas Ratio
2.07%
Equity Capital
$23M
Profitability metrics
Return on Assets (ROA)
42nd percentile nationally
0.99%
Return on Equity (ROE)
15.32%
Efficiency Ratio
65.31%
What the numbers say about The Cleveland State Bank
The Cleveland State Bank is an FDIC-insured institution (Certificate #12201) headquartered in Cleveland, Mississippi, established in 1908. It holds $338M in total assets - 2,322nd of 4,313 FDIC-insured banks, $311M in customer deposits, and $166M in net loans. Its capital position: a Tier 1 ratio of 11.09%, meeting 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 B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Cleveland State Bank sits 34th of 57 banks headquartered in Mississippi by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$15M
Interest Income
$2M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The 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 Mississippi by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Cleveland State Bank (FDIC Cert #12201) - 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 Mississippi
All Mississippi banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Hancock Whitney BankGulfport | $35.5B | A | 1.41% |
| Renasant BankTupelo | $26.7B | B | 0.89% |
| Trustmark BankJackson | $18.9B | B | 1.26% |
| BankPlusBelzoni | $8.1B | B | 1.14% |
| Community Bank of MississippiFlowood | $5.0B | B | 0.89% |
| BankFirst Financial ServicesColumbus | $3.3B | B | 1.04% |
| Guaranty Bank and Trust CompanyBelzoni | $2.9B | B | 1.10% |
| Planters Bank & Trust CompanyIndianola | $2.1B | A | 0.84% |
Frequently asked questions
What is The Cleveland State Bank's health grade?▼
The Cleveland State Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Cleveland State Bank?▼
The Cleveland State Bank holds $338M in total assets and $311M in deposits, ranking 2,322nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Cleveland, Mississippi.
Is my money safe at The Cleveland State Bank?▼
Yes, deposits at The Cleveland State Bank (Certificate #12201) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Cleveland State Bank's Tier 1 Capital Ratio?▼
The Cleveland State Bank has a Tier 1 Capital Ratio of 11.09%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Cleveland State Bank?▼
The 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 The Cleveland State Bank?▼
The Cleveland State Bank has an Efficiency Ratio of 65.31%. 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 The Cleveland State Bank's profile as a depositor or analyst.
- The Cleveland State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Cleveland State Bank against other Mississippi banks before moving funds. Mississippi 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.