Advertisement
State Bank Of Cold Spring
Cold Spring, MN · FDIC Certificate #12444 · Chartered 01/0
Total assets
$81.72M
Total deposits
$73.78M
Total equity
$7.72M
Net loans
$47.17M
Branches (offices)
1
Net income (YTD)
$639.00K
Rank: #3,817 of 4,213 U.S. banks by assets · #188 of 221 in Minnesota. Assets changed -1.7% and deposits -2.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 16.72% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 10.06% |
| Uninsured deposits (share of deposits) | 17.4% |
| Noncurrent loans (share of loans) | 1.60% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 63.9% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.78M | 86.5% | |
| Commercial & industrial | $1.78M | 3.8% | |
| Consumer / individual | $3.54M | 7.5% | |
| Construction & development | $1.78M | 3.8% | |
| Agricultural | $1.36M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $99.57M | $94.72M | $157.00K | $4.78M |
| Jun 2023 | $96.53M | $87.30M | $322.00K | $5.08M |
| Jun 2024 | $88.61M | $82.52M | $301.00K | $5.83M |
| Jun 2025 | $83.09M | $75.87M | $463.00K | $7.02M |
| Jun 2026 | $81.72M | $73.78M | $639.00K | $7.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $73.78M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $73.78M.
Similar-sized banks
American State Bank Of Grygla ($81.76M) · Atascosa Bank ($81.68M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement