State Bank of Cold Spring
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Cold Spring is an FDIC-insured commercial bank headquartered in Cold Spring, MN, established in 1908 (FDIC certificate 12444), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $81.7M, down 1.7% from Q2 2025, the 188th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 19.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12444
- Headquarters
- Cold Spring, MN
- Established
- 1908
- Total assets, Q2 2026
- $81.7M
- Assets vs Q2 2025
- -1.7%
- CET1 ratio, Q2 2026
- 19.59%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 091904830
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Cold Spring call report
- Holding company
- LINDELL BANCSHARES, INC.
- Asset rank in state
- 188th of 221 in Minnesota
Problem loans are rising at State Bank of Cold Spring. Based in Cold Spring, Minnesota, it had $82 million in assets at June 30, 2026, down 1.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.60% of loans from 1.05% a year earlier. It returns 16.4% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also pays an average of 0.90% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Earnings jumped: net income for the quarter was $314,000, 50% above the same quarter a year earlier. Over the same year, loans grew 12.5% and deposits shrank 2.8%. Where it has less room is capital: it funds 10.06% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, State Bank of Cold Spring reported a CET1 capital ratio of 19.59%, a return on assets of 1.56%, a nonperforming-loan ratio of 1.60% and a Texas ratio of 9.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, State Bank of Cold Spring is the 188th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets rose 3.6% to $81.7M, loans rose 3.7% and deposits rose 3.7%. 1-4 family residential loans made up 70.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 6.2%. The FDIC Summary of Deposits lists a single office for it, in Cold Spring, MN. On its Q2 2026 call report, State Bank of Cold Spring meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Main St, Cold Spring, MN 56320
- County
- Stearns
- Metro Area
- St. Cloud, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $73.8M
- Allowance for credit losses
- $334K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $80.3M
- Average total loans
- $47.0M
- Average interest-bearing deposits
- $47.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12444
- Fed RSSD
- 116358
- Website
- www.statebankcoldspring.com →
- Parent Holding Company
- LINDELL BANCSHARES, INC. (RSSD 1128200)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, State Bank of Cold Spring's total assets ranged from $78.9M (Q1 2026) to $93.3M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$81.7M total assets against $83.1M; $74.0M total liabilities against $76.1M.
$47.2M net loans and leases against $41.9M; $73.8M total deposits against $75.9M.
$22.9M securities against $27.6M; $10.1M cash and balances due against $12.0M.
$916K total interest income against $878K; $161K total interest expense against $205K.
$755K net interest income against $673K.
$85K total noninterest income against $76K; $526K total noninterest expense against $540K.
$0 provision for credit losses against $0.
$314K net income against $209K.
1.56% return on assets against 0.98%; 3.96% net interest margin against 3.32%.
19.59% CET1 capital ratio against 20.47%; 10.06% tier 1 leverage ratio against 9.04%.
Inside the full State Bank of Cold Spring terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q4 2025) to 1.67% (Q1 2026) and its net interest margin ran from 2.81% (Q3 2024) to 4.07% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.59% | 1.56% | 1.60% | 9.42% | 3.96% |
| Q1 2026 | 20.01% | 1.67% | 2.46% | 14.22% | 4.07% |
| Q4 2025 | 20.72% | 0.83% | 2.61% | 14.54% | 3.32% |
| Q3 2025 | 20.53% | 1.06% | 0.85% | 4.89% | 3.33% |
| Q2 2025 | 20.47% | 0.98% | 1.05% | 6.08% | 3.32% |
| Q1 2025 | 19.64% | 1.14% | 0.36% | 2.28% | 3.17% |
| Q4 2024 | 20.16% | 0.87% | 0.89% | 5.54% | 3.01% |
| Q3 2024 | 19.32% | 0.96% | 0.93% | 5.94% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| State Bank of Cold Spring (main office) | Cold Spring , MN | 56320 | $73.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 227 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about State Bank of Cold Spring
What are State Bank of Cold Spring's total assets?
As of the Q2 2026 filing, State Bank of Cold Spring reported total assets of $81.7 million in its FFIEC call report.
Where is State Bank of Cold Spring headquartered?
It is headquartered in Cold Spring, MN, United States.
When was State Bank of Cold Spring founded?
It was established in 1908, per the FDIC institution directory.
Is State Bank of Cold Spring FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Cold Spring?
State Bank of Cold Spring's primary federal regulator is the FDIC.
What is State Bank of Cold Spring's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.59% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of Cold Spring operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Cold Spring's Texas Ratio?
Its Texas Ratio is 9.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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