The Cleveland State Bank
Cleveland, MS
IDRSSD: 12142
Total Assets
$337.51M
Latest filing
Total Deposits
$311.27M
Latest filing
Net Interest Margin
3.52%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
084202280CLEVELAND, MS
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Cleveland State Bank
110 Commerce Ave
Cleveland, MS 38732
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/08/1908FDIC Certificate 7749
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Cleveland State Bank (Main) | 110 Commerce Ave | Cleveland, MS |
| MERIGOLD BRANCH | 201 S. Dr. Martin Luther King Street | Merigold, MS |
| WEST SIDE BRANCH | 1418 College St | Cleveland, MS |
| GRENADA STATE BANK, A BRANCH OF THE CLEVELAND STATE BANK | 229 Sunset Dr | Grenada, MS |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/08/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38732 |
| State and County Number | 28011 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Cleveland, MS |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.clevelandstatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 12201 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $337.51M |
| Total Deposits | $311.27M |
| Total Liabilities | $314.02M |
| Total Equity Capital | $23.49M |
| Net Income | $707.00k |
| Net Loans and Leases | $166.42M |
| Assets Per Employee ($Millions) | $5.82M |
| Bank Premises and Fixed Assets | $4.21M |
| Cash and Balances due from Depository Institutions | $28.77M |
| Deposits Held in Domestic Offices | $311.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.85% |
| Return on Equity (ROE) | 12% |
| Net Interest Margin | 3.52% |
| Efficiency Ratio | 67.47% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.959% |
| Earning Assets to total Assets | 89.94% |
Income and Expense
| Total Interest Income | $3.80M |
| Total Noninterest Income | $457.00k |
| Total Interest Expense | $1.12M |
| Total Noninterest Expense | $2.12M |
| Net Interest Income | $2.68M |
| Pre-tax Net Operating Income | $840.00k |
| Provision for Credit Losses | $180.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $165.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.65M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.75M |
| Total Liabilities and Capital | $337.51M |
Securities
| Securities | $121.36M |
| Available-for-sale debt securities | $72.69M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $48.68M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Cleveland State Bank?
$337.51M as of the latest filing.
How much are The Cleveland State Bank's total deposits?
$311.27M in total deposits.
Where is The Cleveland State Bank located?
Cleveland, MS.
What is the Net Interest Margin?
3.52%.
How many domestic offices does it operate?
4.
When was it established?
02/08/1908.
What is the Return on Assets (ROA)?
0.85%.
How much are total loans and leases?
$166.42M (latest filing).
What is the total interest income (latest filing)?
$3.80M.