# CLEVELAND STATE BANK
CLEVELAND, WI · FDIC certificate 9517 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $246.5M | |
| Deposits | $209.9M | |
| Loans and leases | $162.4M | |
| Total equity | $19.9M | |
| Loans / deposits | 76.59% (p56 of band) | 73.59% |
| Liquid assets / assets | 29.85% (p43 of band) | |
| Uninsured deposits / deposits | 22.76% (p61 of band) | 19.81% |
| Brokered deposits | 0.41% | |
| Wholesale funding | 6.29% (p76 of band) | |
| FHLB advances / assets | 5.88% | |
| Tier 1 leverage | 9.16% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -23.77% (p19 of band) | -6.57% |
| AOCI / equity | -0.79% (p33 of band) | |
| ROA (annualized) | 1.11% (p47 of band) | 1.17% |
| Net interest margin | 4.07% (p58 of band) | 3.93% |
| Efficiency ratio | 68.30% (p56 of band) | |
| Noncurrent loans | 0.30% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 339.23% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 43.86% (p75 of band) | |
| Auto loans | $2.6M (1.61% of loans; DQ 2.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.1% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 4 | deposits shrinking |  |
| 2015-03 | 3 |  | charge-offs p90 |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 2 | reserve under noncurrent |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | noncurrent p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2015-09-26 [Cleveland State Bank announces promotions - The Sheboygan Press](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVXBSY0dab3B6Wk5rY3NBUEgweXJSLWEtaktYT3NkMVpIZUo0ZUdYaWJwQW8xS3ZiMDVfckplaGN1WWcyaWFkS0ZEWUNXUzloZTVvd0tQc2V3Ym96aVhlYnpWLU4wNFlHVzZjZEpLOWZVRWFON2JhNTNCZTBXZEs1ZlU4WnB3RjlEaGJkbW56Q3RibFExWnhCZnV2R0hHN1lCM2x0d0xRWEJLeEEwS2NRbmtmRXE?oc=5) · The Sheboygan Press
- 2026-02-25 [Karen I. Junk - Herald Times Reporter](https://news.google.com/rss/articles/CBMiWkFVX3lxTE43dmVoVjdfUmM1QVpzOGZTVF9SVi10blJudHZKc2dzc2pjSnJDNmZITlhDcF9BVWs2THpQaUJSQzBjeVpiaVJEajVSc3o5T1Ntb0R0eTlYTTZZUQ?oc=5) · Herald Times Reporter
- 2026-06-09 [Kiel High School seniors receive awards, scholarships - Tri-County News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPVE14UFhOLXpXX0RhVW1VQmZIcVZIUkpNejZHemNyNHBQMGlHZlp0ZTU1LWQyY19FZkNqcjJPRGRaMENsc2Zwc2FqMHpNaEdUTmJmR2lxQ2FBZDJsSGpZcGJZYzVaaldsTTVMcUNxbzhWamlLNjlFYlQyYnFTOUhFUjlDSHVQV0RIR0lCa2pDSjJrYXFFU3c2Mm1xcWJHT1REekZKZ3FjeGlmN1BGZWlNY3duS3dJMGNKZ1J3QllzMUIyZlhUQXpZR0dxak4tNEhUV1E?oc=5) · Tri-County News
- 2021-10-06 [Diana Schuette Obituary (1944 - 2017) - Town Of Centerville, WI - Manitowoc Herald Times Reporter - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNa3d0MzZPb1Y0WEtQNldGZllCVDJPYVRGX2JUMUQyeXBlOHcxand5RGxLbFAyRnNWNGVIakhEVExfX3M5SU9CelRMQ2dsY2V3emFxSzZHNHFmT0I5cVA0X3pCV0RKSFpTR2J6REc2d0pCc3N2X3JNbHdYWnNwZzFWN3dVbWtqQW5oNFpVcEd3?oc=5) · legacy.com
- 2015-11-14 [Who's News: Nov. 15 - The Sheboygan Press](https://news.google.com/rss/articles/CBMihwFBVV95cUxQQzJpemZIRFk4NHZMUFNRTm0zUXFBbzNOdFB2R3M1Mmp1b1poVXNKQlRYSGU2VVdoU25VX2Z2MnRidURhcmw1TkV1b3BRYzVNeGpOY0s3ZEZJbkZDNHBQaWdKZ0lISVdsNXV6YkUyekRyRGRuZExybFQ3RXNFcFZoUGdhNFZzelE?oc=5) · The Sheboygan Press
- 2017-08-30 [Hurricane Harvey drive Sept. 6 at Tramontina USA in Manitowoc - Herald Times Reporter](https://news.google.com/rss/articles/CBMiugFBVV95cUxOTHVqQVlZSnBEUlhObEV3WU5hNE1TVHh6V3RaN2g2V1BBYnVTMXQ3MG1EakVUYmtTOHl6Qks2RlhaZDBab0g1aExoWlJBYXl4MFJnWlU2a1RGM2YySjVjcHpzckJ6ckhXU216Qlk2T1VLUXpoUFM0bEZ4OUo3bUlaVHUzRUJEd2tHMzZWVHBNRFRvSkhyNDhycll3Q3dyendDS0JtSzVHb0xnUXZhd3FpUTh2eFcybE42eGc?oc=5) · Herald Times Reporter
- 2014-11-21 [Stock the Shelves effort reaches $36,000 - The Sheboygan Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxNLWROaGNacloyOTNxc3YwZlIxM1UyYUxUS1IxLWF1d2pVSlFwOFJRTHNweHFBalZuWU9mYUh1cDVNWnB2enltQXBVZ2xObHdPRXZCMUpjWDJpM3ZhalpQVUxlcjBobUdtYWtwMVpORTdIcVBoSGlnc01hWXFLLXhYSElfOU9TUTR5dlE?oc=5) · The Sheboygan Press
- 2025-06-11 [Manitowoc County property tax payments are due July 31. Here's how & where to make payments. - Herald Times Reporter](https://news.google.com/rss/articles/CBMiywFBVV95cUxPQU5kT3ExYVRfUFByQlFQbG16eExxU2dUYWJPREdqOEFGU0xnZzZxejFWakhPVlM5V3RNbWRYM0wwVnBVQmZUVHF5REQtTUoxZXhfX2szdWVwX21QMFNvY2h1VEM3emxIVDBib0t3UERPSW9LZTVxX0o0dGxVQmw0YV9jRldldGNkNUFtUWQ0dzlpVGlqQV9lck9Xb1JiTFJVNXFEVTV5ckVXMkVxNEVwanhKdVRfRjlJaEpTTzZFcVR6NmZGZzNLNFZLOA?oc=5) · Herald Times Reporter

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9517 (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/45.json (key "9517", 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