Side-by-side · Q2 2026 data
The Cleveland State Bank vs Bank of Winona
Metric by metric
| Measure | The Cleveland State Bank | Bank of Winona |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 62 | 81 (stronger) |
| Loan quality | 91 (stronger) | 57 |
| Earnings | 60 | 68 (stronger) |
| Funding & liquidity | 84 | 93 (stronger) |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 64th | 61st |
| Total assets | $340.2M | $142.7M |
| Deposits / shares | $312.0M | $119.6M |
| Capital ratio | 11.18% | 13.12% (stronger) |
| Problem loans | 0.26% (stronger) | 1.30% |
| Net charge-offs | 0.07% | 0.03% (stronger) |
| Return on assets | 1.01% | 1.19% (stronger) |
| Loans ÷ deposits | 56.6% | 38.9% (stronger) |
| Uninsured deposits | 29.7% | 21.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Cleveland State Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Cleveland State Bank leads on 2 and Bank of Winona on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.