🏦Bank Scorer

CLEVELAND STATE BANK

CLEVELAND, WI · Supervised by FDIC

Est. 1907FDIC #9,517RSSD: FDIC-9517
Part ofWISCUB INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.19%

Institution Profile

FDIC BankFind

Address

1250 W Washington Ave, CLEVELAND, WI

County

Manitowoc County

Established

April 19, 1907

Total Assets

$240M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$240M

Total Deposits

$204M

Net Loans

$161M

Net Income

$702K

ROA

1.19%

ROE

14.82%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.20%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$194M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248395.18%1.20%
202310295.1%0.00%
202214593.79%2.07%
202130195.68%1.00%
202047593.68%2.74%
201921494.86%0.93%
201818193.37%1.10%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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