TellerScore

Headquartered in Cleveland, Wisconsin, Cleveland State Bank is a state-chartered bank with $246.5M in total assets and $209.9M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1907.

Based on its Q2 2026 filing, Cleveland State Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 95th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is capital cushion (42/100; 9.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.16%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 76.6% · 22.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.29%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (65 → 69), mostly because the loan quality component improved by 11 points.

TellerScore
636771Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202463
Q1 202564
Q2 202565
Q3 202567
Q4 202567
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%7.31%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.18%
Q4 20248.86%
Q1 20258.99%
Q2 20259.36%
Q3 20259.61%
Q4 20259.18%
Q1 20269.51%
Q2 20269.16%
Noncurrent loans
0.24%0.44%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.35%
Q3 20240.64%
Q4 20240.62%
Q1 20250.60%
Q2 20250.62%
Q3 20250.43%
Q4 20250.27%
Q1 20260.24%
Q2 20260.30%
Return on assets
0.64%0.92%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.79%
Q4 20240.86%
Q1 20250.88%
Q2 20250.93%
Q3 20250.93%
Q4 20250.81%
Q1 20261.19%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$246.5M9.16%0.30%1.11%76.6%
Q1 202671$239.6M9.51%0.24%1.19%79.0%
Q4 202567$231.6M9.18%0.27%0.81%77.8%
Q3 202567$222.2M9.61%0.43%0.93%82.4%
Q2 202565$224.8M9.36%0.62%0.93%79.6%
Q1 202564$228.1M8.99%0.60%0.88%77.4%
Q4 202463$224.4M8.86%0.62%0.86%76.8%
Q3 202463$216.9M9.18%0.64%0.79%79.4%
Q2 202464$209.1M9.21%0.35%0.64%83.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.16%
14th
Total risk-based capital0.00%
24th
Problem loans0.30%
57th
Net charge-offs-0.00%
79th
Return on assets1.11%
41st
Net interest margin4.07%
57th
Efficiency ratio68.3%
34th
Loans to deposits76.6%
56th
Uninsured deposits22.8%
54th
Loan-loss reserves1.03%
30th
Texas ratio2.3%
55th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants State BankBank Waterloo, WI72 out of 100, Strong$245.6M11.1%0.00%vs
Security BankBank New Auburn, WI69 out of 100, Moderate$253.8M11.6%1.19%vs
Citizens State BankBank Cadott, WI58 out of 100, Moderate$237.6M8.8%0.99%vs
Great North BankBank Florence, WI44 out of 100, Below average$233.4M8.8%1.40%vs
Marathon BankBank Wausau, WI82 out of 100, Strong$261.1M15.3%0.03%vs
East Wisconsin Savings BankBank Kaukauna, WI53 out of 100, Below average$265.8M7.1%0.06%vs

Deposit insurance

Is my money safe at Cleveland State Bank?

Yes. Cleveland State Bank is an FDIC-insured institution (FDIC certificate #9517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.8% of deposits ($47.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.16%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Cleveland State Bank lists 3 offices in 3 cities. Most locations:

  • Cleveland, WI (1)
  • Elkhart Lake, WI (1)
  • Howards Grove, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cleveland State Bank reported 116 home-loan applications under HMDA (LEI 549300O3HNZKCYCYJK98): 108 originated ($20,930,000 total), 5 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cleveland State Bank
Type
State-chartered bank
FDIC certificate #
9517
RSSD ID
48440
Primary regulator
FDIC
Holding company
Wiscub Inc
Established
April 19, 1907
Headquarters
1250 W Washington Ave, Cleveland, WI 53015
Employees
37

Quick answers

Cleveland State Bank: common questions

Is Cleveland State Bank FDIC insured?

Yes. Cleveland State Bank is an FDIC-insured institution (FDIC certificate #9517). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cleveland State Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cleveland State Bank ever failed?

There is no failure record for FDIC certificate #9517 in the FDIC failed bank list.

How many branches does Cleveland State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Cleveland

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Oostburg State BankBank Oostburg, WI79 out of 100, Strong$440.2M11.6%0.13%vs