B
The Cleveland State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Cleveland State Bank
Cleveland, MS
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Rating B
Asset Quality Index 7.70
Capitalization Index 8.30
Liquidity Index 2.90
Profitability Index 4.80
Stability Index 3.80
Company Info The Cleveland State Bank
Cleveland, MS
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FDIC Number 12201
Phone Number (662) 843-9461
Website www.clevelandstatebank.com
Asset Quality The Cleveland State Bank
Cleveland, MS
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1-Year Asset Growth 2.10%
5-Year Asset Growth 8.03%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 1.52%
Non-Performing Loans to Loans 0.43%
Balance Sheet The Cleveland State Bank
Cleveland, MS
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Total Assets 325.10M
Total Deposits 301.55M
Capital and Reserves The Cleveland State Bank
Cleveland, MS
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Capital 20.76M
Leverage Ratio 10.76
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio --
Liquidity The Cleveland State Bank
Cleveland, MS
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Hot Money Ratio 19.13%
Liquidity Ratio 31.58%
Profitability The Cleveland State Bank
Cleveland, MS
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5-Year Return on Average Assets 1.03%
Net Income 1.66M
Net Interest Spread 3.45%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 65.42%
Return on Assets 1.00%
Return on Equity 16.63%