| Metric | Cleveland State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +4.4% | +5.3 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.6 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $246.5M | $209.9M | $160.8M | $19.9M | $1.3M | 1.11% | 4.07% | 0.20% |
| Q1 2026 | $239.6M | $203.9M | $161.0M | $19.2M | $702K | 1.19% | 4.26% | 0.16% |
| Q4 2025 | $231.6M | $200.0M | $155.6M | $18.7M | $1.8M | 0.81% | 3.66% | 0.18% |
| Q3 2025 | $222.2M | $188.8M | $155.6M | $18.7M | $1.6M | 0.93% | 3.61% | 0.31% |
| Q2 2025 | $224.8M | $194.2M | $154.7M | $17.4M | $1.1M | 0.93% | 3.53% | 0.43% |
| Q1 2025 | $228.1M | $198.2M | $153.4M | $16.7M | $496K | 0.88% | 3.35% | 0.41% |
| Q4 2024 | $224.4M | $196.2M | $150.6M | $15.6M | $1.8M | 0.86% | 3.33% | 0.42% |
| Q3 2024 | $216.9M | $188.1M | $149.3M | $16.6M | $1.2M | 0.79% | 3.26% | 0.45% |
Loan mix (Q2 2026): real estate $137.9M · commercial $16.3M · consumer $3.8M · securities $57.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cleveland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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