Total Assets
$80M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
State Bank of Cold Spring — FDIC Bank Health Profile
Cold Spring, Minnesota · Est. 1908. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #12444 Kansas City Region
B
Health grade
Good
Score: 68/100
Basel III capital ratios — State Bank of Cold Spring
Total Deposits
$72M
Customer-funded liabilities
Net Loans
$44M
Outstanding loan book
Net Income
$853K
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
20.72%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$8M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.01%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.05%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
68.91%
Income & Expense Breakdown
$3M
Interest Income
$339K
Non-Interest Income
$2M
Non-Interest Expense
FDIC Deposit Insurance
State Bank of Cold Spring is FDIC-insured (Certificate #12444). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $80M in total assets and $72M in customer deposits, with $44M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, State Bank of Cold Spring reports a Tier 1 Capital Ratio of 20.72% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $8M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.01% and a Return on Equity of 12.05%, with an Efficiency Ratio of 68.91% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (68/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at State Bank of Cold Spring is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Minnesota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data State Bank of Cold Spring (FDIC Cert #12444) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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, FSB Minneapolis | $25.3B | A | 3.08% |
| Bridgewater Bank Saint Louis Park | $5.4B | C | 0.99% |
| Frandsen Bank & Trust Lonsdale | $3.7B | B | 1.48% |
| Stearns Bank National Association Saint Cloud | $3.3B | B | 1.85% |
| Minnwest Bank Redwood Falls | $3.0B | C | 0.92% |
| Merchants Bank, National Association Winona | $2.9B | C | 1.23% |
| Tradition Capital Bank Wayzata | $2.6B | C | 0.71% |
| Think Mutual Bank Rochester | $2.2B | F | 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 B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is State Bank of Cold Spring? ▼
State Bank of Cold Spring holds $80M in total assets and $72M in deposits. It is headquartered in Cold Spring, Minnesota.
Is my money safe at State Bank of Cold Spring? ▼
Yes. State Bank of Cold Spring is FDIC-insured (Certificate #12444). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
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.
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.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.