STATE BANK OF COLD SPRING

STATE BANK OF COLD SPRING is amn micro FDIC-insured commercial bank headquartered in COLD SPRING, MN, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $72M. Profitability stands at 0.84% ROA and 9.05% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 20.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.61% and a Texas Ratio of 14.54%. FDIC Certificate #12444.