The Cleveland State Bank: how it compares with its peers
Against 30 MS banks with half to twice its assets, The Cleveland State Bank's strongest measure in Q2 2026 is assets per employee ($6.0M vs. a $5.2M peer median). Its weakest relative measure is net interest margin (3.57% vs. 4.03%).
| Measure | The Cleveland State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.15% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.57% | 4.03% | Bottom third Ahead of 23% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.97% | 64.98% | Middle third Ahead of 43% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.0M | $5.2M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 56.63% | 69.14% | Context |
What it means for lending operations
Its efficiency ratio of 65.97% is above the 64.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Kilmichael Kilmichael, MS · $342M
- Copiah Bank Hazlehurst, MS · $332M
- Great Southern Bank Meridian, MS · $355M
- BankOkolona Okolona, MS · $360M
- Bank of Yazoo City Yazoo City, MS · $318M
- First Southern Bank Columbia, MS · $317M
Questions about The Cleveland State Bank
How big is The Cleveland State Bank?
The Cleveland State Bank, established in 1908, is headquartered in Cleveland, MS. It reported $340M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is The Cleveland State Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.15% median for 30 MS banks with half to twice its assets, ahead of 43% of them.
What is The Cleveland State Bank's efficiency ratio?
65.97% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 64.98%, and lower is better.
Is The Cleveland State Bank growing its loans?
Net loans grew 5.0% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Mississippi bank ranked.