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The Cleveland State Bank
Cleveland, MS · FDIC Certificate #12201 · Chartered 02/0
Total assets
$340.23M
Total deposits
$312.01M
Total equity
$25.55M
Net loans
$176.70M
Branches (offices)
4
Net income (YTD)
$1.72M
Rank: #2,293 of 4,213 U.S. banks by assets · #36 of 57 in Mississippi. Assets changed 4.7% and deposits 3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.01% |
| Return on equity | 14.17% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 7.51% |
| Tier 1 leverage ratio | 11.18% |
| Uninsured deposits (share of deposits) | 29.7% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 56.6% |
| Real estate loans (share of loans) | 57.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $102.29M | 57.9% | |
| Commercial & industrial | $53.46M | 30.3% | |
| Consumer / individual | $16.96M | 9.6% | |
| Construction & development | $9.93M | 5.6% | |
| Agricultural | $6.25M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $310.99M | $295.76M | $1.19M | $10.34M |
| Jun 2023 | $305.55M | $284.78M | $1.26M | $14.34M |
| Jun 2024 | $318.42M | $296.86M | $1.57M | $18.35M |
| Jun 2025 | $325.10M | $301.55M | $1.66M | $20.76M |
| Jun 2026 | $340.23M | $312.01M | $1.72M | $25.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $312.01M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $312.01M.
Similar-sized banks
Genesis Bank ($340.25M) · Farmers State Bank ($339.83M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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