Total Assets
$80M
Total balance-sheet footings
FDIC Cert #12444 · Cold Spring, Minnesota · Est. 1908
State Bank of Cold Spring - FDIC Bank Health Profile
A community-scale look at State Bank of Cold Spring's own numbers, pulled straight from its quarterly FDIC Call Report.
- $80M
- Total assets
- A
- Health grade · Excellent
- 1.01%
- Return on assets
- 20.7%
- Tier 1 capital
Data updated July 2026
The verdict
State Bank of Cold Spring earns a PlainBankData health grade of A (84/100), with well-capitalized at 20.72% Tier 1, profitable at 1.01% ROA, 69% efficiency ratio.
- #3,908
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 20.72%
- Tier 1 ratio - above the 10% well-capitalized line
- 44th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How State Bank of Cold Spring's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
State Bank of Cold Spring's composite health score
Tier 1 Capital Ratio (20.72%) 40/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (14.54%) 16/20
Efficiency Ratio (68.91%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$44M
Outstanding loan book
Net Income
$853K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where State Bank of Cold Spring ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. State Bank of Cold Spring's score of 84/100 falls in the highlighted band.
State Bank of Cold Spring's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). State Bank of Cold Spring's $80M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
20.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
20.72%
Texas Ratio
14.54%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
12.05%
Efficiency Ratio
68.91%
What the numbers say about State Bank of Cold Spring
State Bank of Cold Spring is an FDIC-insured institution (Certificate #12444) headquartered in Cold Spring, Minnesota, established in 1908. It holds $80M in total assets - 3,908th of 4,313 FDIC-insured banks, $72M in customer deposits, and $44M in net loans. On safety, its Tier 1 capital ratio of 20.72% is above the 10% well-capitalized threshold, and its Texas Ratio of 14.54% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, State Bank of Cold Spring ranks 190th of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$3M
Interest Income
$339K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. State Bank of Cold Spring reports a Texas Ratio of 14.54% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) State Bank of Cold Spring (FDIC Cert #12444) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is State Bank of Cold Spring's health grade?▼
State Bank of Cold Spring receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is State Bank of Cold Spring?▼
State Bank of Cold Spring holds $80M in total assets and $72M in deposits, ranking 3,908th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cold Spring, Minnesota.
Is my money safe at State Bank of Cold Spring?▼
Yes, deposits at State Bank of Cold Spring (Certificate #12444) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is State Bank of Cold Spring's Tier 1 Capital Ratio?▼
State Bank of Cold Spring has a Tier 1 Capital Ratio of 20.72%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for State Bank of Cold Spring?▼
State Bank of Cold Spring has a Texas Ratio of 14.54%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is State Bank of Cold Spring?▼
State Bank of Cold Spring has an Efficiency Ratio of 68.91%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read State Bank of Cold Spring's profile as a depositor or analyst.
- State Bank of Cold Spring's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare State Bank of Cold Spring against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.