The Cleveland State Bank (FDIC certificate #12201) is based in Cleveland, Mississippi. Its Q2 2026 call report shows $340.2M in total assets and $312.0M in deposits and 4 offices.
Based on its Q2 2026 filing, The Cleveland State Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 15th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is earnings (60/100; 1.01%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 78 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 75 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.93% |
| Q3 2024 | 11.26% |
| Q4 2024 | 11.02% |
| Q1 2025 | 10.95% |
| Q2 2025 | 10.76% |
| Q3 2025 | 11.46% |
| Q4 2025 | 11.09% |
| Q1 2026 | 10.99% |
| Q2 2026 | 11.18% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.03% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.21% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.21% |
| Q2 2026 | 0.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.91% |
| Q1 2025 | 1.02% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.99% |
| Q1 2026 | 1.02% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $340.2M | 11.18% | 0.26% | 1.01% | 56.6% |
| Q1 2026 | 76 | $345.7M | 10.99% | 0.21% | 1.02% | 53.1% |
| Q4 2025 | 75 | $337.5M | 11.09% | 0.32% | 0.99% | 53.5% |
| Q3 2025 | 75 | $330.7M | 11.46% | 0.51% | 1.04% | 55.8% |
| Q2 2025 | 75 | $325.1M | 10.76% | 0.26% | 1.02% | 55.8% |
| Q1 2025 | 76 | $331.5M | 10.95% | 0.20% | 1.02% | 51.9% |
| Q4 2024 | 75 | $323.4M | 11.02% | 0.21% | 0.91% | 53.1% |
| Q3 2024 | 78 | $317.1M | 11.26% | 0.07% | 0.93% | 55.1% |
| Q2 2024 | 77 | $318.4M | 10.93% | 0.03% | 0.99% | 55.0% |
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).
Similar-size banks in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of KilmichaelBank Kilmichael, MS | 62 out of 100, Moderate | $341.6M | 9.1% | 0.96% | vs |
| Copiah BankBank Hazlehurst, MS | 78 out of 100, Strong | $332.2M | 11.8% | 0.19% | vs |
| Great Southern BankBank Meridian, MS | 66 out of 100, Moderate | $355.1M | 9.5% | 0.67% | vs |
| BankOkolonaBank Okolona, MS | 67 out of 100, Moderate | $359.6M | 10.1% | 1.04% | vs |
| Bank of Yazoo CityBank Yazoo City, MS | 79 out of 100, Strong | $318.2M | 12.0% | 0.01% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
Deposit insurance
Is my money safe at The Cleveland State Bank?
Yes. The Cleveland State Bank is an FDIC-insured institution (FDIC certificate #12201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.7% of deposits ($92.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.18%, well 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%).
4 locations
Branches
The Cleveland State Bank lists 2 offices in 2 cities. Most locations:
- Cleveland, MS (1)
- Grenada, MS (1)
Identity & history
Profile
- Legal name
- The Cleveland State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12201
- RSSD ID
- 12142
- Primary regulator
- FDIC
- Holding company
- Cleveland State Bcorp Inc
- Established
- February 8, 1908
- Headquarters
- 110 Commerce Ave, Cleveland, MS 38732
- Website
- www.clevelandstatebank.com
- Employees
- 57
Quick answers
The Cleveland State Bank: common questions
Is The Cleveland State Bank FDIC insured?
Yes. The Cleveland State Bank is an FDIC-insured institution (FDIC certificate #12201). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Cleveland State Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Cleveland State Bank ever failed?
There is no failure record for FDIC certificate #12201 in the FDIC failed bank list.
How many branches does The Cleveland State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cleveland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Delta Federal Credit UnionCredit union Greenville, MS | 98 out of 100, Very strong | $8.9M | 29.2% | 0.27% | vs |
| The Jefferson BankBank Greenville, MS | 90 out of 100, Very strong | $210.8M | 16.6% | 0.38% | vs |
| Planters Bank & Trust CompanyBank Indianola, MS | 71 out of 100, Strong | $2.7B | 11.2% | 0.61% | vs |
| BankPlusBank Belzoni, MS | 71 out of 100, Strong | $8.4B | 10.8% | 0.64% | vs |
| Shelby/Bolivar County Federal Credit UnionCredit union Boyle, MS | 71 out of 100, Strong | $4.5M | 20.3% | 5.89% | vs |
| Statewide Federal Credit UnionCredit union Flowood, MS | 68 out of 100, Moderate | $211.4M | 9.5% | 0.59% | vs |