Bank Comparison
The Bank of Commerce vs State Bank of Cold Spring
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 5
winning metrics across 13 scored rows (1 tied)
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Capital adequacy
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| CET1 Ratio | — | 19.59% |
| Tier 1 Capital Ratio | — | 19.59% |
| Total Capital Ratio | — | 20.40% |
| Tier 1 Leverage Ratio | 10.63% | 10.06% |
| Equity / Assets | 10.03% | 9.45% |
Profitability
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 1.56% |
| Return on Equity (ROE) | 8.12% | 16.42% |
| Net Interest Margin (NIM) | 3.42% | 3.96% |
| Yield on Earning Assets | 5.05% | 4.80% |
| Cost of Funds | 1.71% | 0.90% |
Asset quality
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| Texas Ratio | 4.76% | 9.42% |
| Non-Performing Loan Ratio | 1.02% | 1.60% |
| Non-Performing Asset Ratio | 0.47% | 0.93% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.11% | 0.70% |
Balance sheet
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| Total Assets | $81.5M | $81.7M |
| Total Deposits | $73.0M | $73.8M |
| Total Loans | $37.6M | $47.5M |
| Total Equity | $8.2M | $7.7M |
| Net Income (quarter) | $166K | $314K |
Liquidity & funding
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| Loan-to-Deposit Ratio | 51.56% | 64.38% |
| Core Deposit Ratio | 85.31% | 98.30% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Bank of Commerce | State Bank of Cold Spring |
|---|---|---|
| Headquarters City | White Castle | Cold Spring |
| Headquarters State | LA | MN |
| Asset Tier | under $100M in assets | under $100M in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 15 | 12 |
| Established | March 1, 1927 | January 1, 1908 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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