BanksSTATE BANK OF COLD SPRING

STATE BANK OF COLD SPRING

COLD SPRING, MNMicroEst. Jan. 1, 1908, midnightFDIC #12444RSSD #116358FDIC
Latest · 2025-12-31

STATE BANK OF COLD SPRING is an 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%. CET1 capital ratio: 20.72%, well above regulatory minimums. NPL ratio: 2.61% · Texas Ratio: 14.54%. Operates 1 domestic branch.

Assets
$80M
Deposits
$72M
Loans
$44M
Equity
$8M

Profitability

Return on Assets (ROA)0.84%
Return on Equity (ROE)9.05%
Net Interest Margin3.46%
Yield on Assets4.48%
Cost of Funds1.03%

Asset Quality

NPL Ratio2.61%
Net Charge-Off Ratio0.04%
Texas Ratio14.54%
NPA Ratio1.45%
ACL / Loans0.75%

Capital & Liquidity

CET1 Ratio20.72%
Tier 1 Capital20.72%
Total Capital Ratio21.58%
Leverage Ratio9.87%
Loan-to-Deposit61.71%

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