# CLEVELAND STATE BANK
CLEVELAND, MS · FDIC certificate 12201 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $340.2M | |
| Deposits | $312.0M | |
| Loans and leases | $179.0M | |
| Total equity | $25.6M | |
| Loans / deposits | 56.63% (p10 of band) | 82.04% |
| Liquid assets / assets | 42.53% (p86 of band) | |
| Uninsured deposits / deposits | 29.72% (p65 of band) | 25.97% |
| Brokered deposits | 1.17% | |
| Wholesale funding | 1.17% (p36 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.18% (p58 of band) | 10.81% |
| Unrealized securities loss / equity | -55.06% (p3 of band) | -8.10% |
| AOCI / equity | 1.35% (p96 of band) | |
| ROA (annualized) | 1.01% (p32 of band) | 1.28% |
| Net interest margin | 3.57% (p32 of band) | 3.91% |
| Efficiency ratio | 65.97% (p64 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 480.89% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 38.85% (p45 of band) | |
| Auto loans | $5.1M (2.87% of loans; DQ 0.68%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 2 |  | capital falling, charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-12-02 [Danny Whalen - Delta Business Journal](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5zdVk4SWZyQ2wxM3lsdGpnTVl2RVZHaE9lX3pydkhBWW9TQTdsSnBHUnRrcFV2S2ZrUUkyY2ZfcnlKbGpXeHVxU1dtOXZCM1hXMXhOTTQwUzBTUQ?oc=5) · Delta Business Journal
- 2023-10-30 [Mary Ann Tribble Obituary Oct 30, 2023 - Cleveland Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE4yRURhQ3BzbVFlbEM5Z2RPNG40OVdSeF9pUlRBNHpyVXltUzBRVy1wSHRuSWVoelZIZlBJRzVlQ1ZBaTNzSEFweDcyMFFuUWZVWUo2ZmJ0blJ0SkEzU3lKQy14TTRlM0tVWm9nVUpLMGoxdw?oc=5) · Cleveland Funeral Home
- 2023-04-13 [Congressman announces UMB earns almost $5 million in federal funds to help community post-pandemic - natchezdemocrat.com](https://news.google.com/rss/articles/CBMi2AFBVV95cUxObkVvcmtiSHFmY2dpdDBPTGFfSEFnMXNleTJ2eF9od0tzSC05V281WGRGMmNndEVrQl92eHhBUGRhQ2h5b1RNdWdFcVpZMXNKcmxsYTRZYmlRcU5FNlZsbFFSSktpQ3lRNXFEbmliRlRXYUQzalE3Zi1TQ0lMbUlJNTNhdlU3ZVlMSkx0d2FBQk1IS2h3OGUtV21KOUtmQ3ZzS21DWkhwQ2RwSmdCUVBydjQyOUM1OFFnRmVxY2JjU0VURXdUSVdSM0JLUFUwNEp3azFUdld3Y0w?oc=5) · natchezdemocrat.com
- 2025-11-17 [Carl W. Ray, Sr., age 88 - A Natural State Funeral Service](https://news.google.com/rss/articles/CBMieEFVX3lxTE9PdWxNNkU0TGY2VXJadVlEcUNBWHhGOEdWcnpJTVRhazZYTGN3Y1JYaG5tOGoxOXUyVldVcXY4RnU1cHR6ZEpqOHlmLXVzMWRGbzBqaGI1WXhjUUEyRHZGbGZHaVF6MEJtZG00eFFSUTZBSzNVQlh0MA?oc=5) · A Natural State Funeral Service
- 2017-08-22 [On the Move: New hires, promotions, recognition - The Clarion-Ledger](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbmlOVUZNdHp3NE5DOUk3ZWlGelJhcmEwWndwb1RBaU9ZV0d3UW55X1pXTVZqaGhrQjBPbU5rb0FLaDhzQUFaZEYyWVdBamRuTmFvb2V3dzQyODhqX1U4Y19yTGhsbHpOZXJaQm9YamVzVFVxM0JQakdtSGRrYlVZSy0xbzc1akk1OFdhMkl6bXRlSU5PckFqZXdVRThSUzdHRHc?oc=5) · The Clarion-Ledger
- 2018-07-02 [Danny Whalen elected to Mississippi Bankers Association Board of Directors - Delta Business Journal](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUkNlNDh3OEoxcFVmd24yVjdsX19NWmlTeE9PU1JVczF4WHFLVTRQR1dqUnBSMlNGb1NCQWVWeDV2UFpyejBzZ1pyU3FOc0QzZFZ4U1k2Ui1tbXVlLXo0eUc4U2MxV1dsWGRHeENSQU1QMEpUQVljS0Y2WGhrd0RQN3h0eUcyZklVcWxZb0lNLXptTXFLNW13X0xkWjA4RVBiblhVUA?oc=5) · Delta Business Journal
- 2020-04-08 [Kelvin Curtis Sumner Obituary Apr 8, 2020 - Cleveland Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTFBWZXM2TUJla3VfSThHYk1IV002QzZkUnkzeWVodmM5M2FGa0xKVGNyV0NUNGNGVmlDS0ExQm53LXlUTkw3dG1xTV9FdTN0bjFBR0dWZFVrRDhtbjU3X0hubFU4akNSd2hTa0Y4OEJ3?oc=5) · Cleveland Funeral Home
- 2008-09-25 [Convictions of cross-dressing bandits upheld - DeSoto Times-Tribune](https://news.google.com/rss/articles/CBMixgFBVV95cUxPUHpDRjFpQ0dqN05wWDVlVnRka0JaMWtlcUUyV1U3YWx4S2lfUDB2ckx3N3pZelVESmRZMG1ONXFSLTZMdVJvMmhnZW9wcmtUSjdBMDlGdmVnc01ZNGNRZ1dqMVdLSG5mZnc1bkR4ZzJCbzZKZm1TMG0wUTl3SWdFd1BBQTJmeXpXeDl4NnVady1JdDhqaGxlMWhnRFl3RnB3NnZSSFE5S1VWUy1pUGYyU0huWlpDbXhBMUxpTEowdTlhZnFIbXc?oc=5) · DeSoto Times-Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12201 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "12201", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide