Bank call report · Cold Spring, MN
State Bank of Cold Spring Call Report
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State Bank of Cold Spring filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 273 reported line items, schedule by schedule (777 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 116358 |
| FDIC certificate number | 12444 |
| Total assets | $81.7M |
Official Q2 2026 call report PDF (FFIEC) →
State Bank of Cold Spring call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · State Bank of Cold Spring balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $81.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $81.7M |
| Total Liabilities and Minority Interest | RCON2948 | $74.0M |
| Total Deposits | RCON2200 | $73.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $50.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $47.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $47.2M |
| Deposits: Noninterest-bearing | RCON6631 | $23.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $15.8M |
| Total Equity Capital | RCON3210 | $7.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $7.7M |
| Interest-bearing Balances | RCON0071 | $7.7M |
| Surplus | RCON3839 | $7.4M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $7.1M |
| Held-to-maturity Securities, Total | RCON1754 | $7.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.4M |
| Other Assets | RCON2160 | $1.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $577K |
| Accumulated Other Comprehensive Income | RCONB530 | -$356K |
| Allowance for Loan and Lease Losses | RCON3123 | $334K |
| Other Liabilities, Total | RCON2930 | $215K |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $209K |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $196K |
| Common Stock | RCON3230 | $75K |
Schedule RI: Income Statement (33 items)
About Schedule RI · State Bank of Cold Spring income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $1.8M |
| Net Interest Income | RIAD4074 | $1.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $1.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.1M |
| Total Noninterest Expense | RIAD4093 | $1.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $639K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $639K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $639K |
| Net Income (Loss) | RIAD4340 | $639K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $639K |
| Salaries and Employee Benefits | RIAD4135 | $549K |
| Other Noninterest Expense | RIAD4092 | $401K |
| Total Interest Expense | RIAD4073 | $312K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $218K |
| Total Noninterest Income | RIAD4079 | $170K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $157K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $129K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $124K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $121K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $104K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $91K |
| Noninterest income: Income from insurance activities | RIADHT74 | $80K |
| Other Noninterest Income | RIADB497 | $70K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $55K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $55K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $45K |
| Interest on Other Securities | RIAD4060 | $45K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $41K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $20K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $12K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $10K |
| Other Interest Income | RIAD4518 | $7K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 12 |
Schedule RC-B: Securities (18 items)
About Schedule RC-B · State Bank of Cold Spring securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $16.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $15.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $15.1M |
| Pledged Securities | RCON0416 | $11.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $9.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.8M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $7.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $5.3M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $4.5M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $4.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.0M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $2.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $709K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $690K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $689K |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · State Bank of Cold Spring loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $47.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $26.4M |
| Pledged Loans and Leases | RCONG378 | $25.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $14.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $6.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $6.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $6.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $5.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $4.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $3.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $3.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $3.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $2.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $2.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $2.2M |
| Commercial and Industrial Loans | RCON1766 | $1.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $1.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $1.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $1.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $830K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $474K |
| Other Loans | RCONJ464 | $38K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $29K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $1.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $736K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $647K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $637K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $609K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $454K |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $433K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $260K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $203K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $72K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 23 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 15 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 11 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 9 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 7 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 4 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 1 |
Schedule RC-E: Deposit Liabilities (21 items)
About Schedule RC-E · State Bank of Cold Spring deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $37.1M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $36.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $34.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $33.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $25.3M |
| Total Demand Deposits (See Note Below) | RCON2210 | $23.2M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $7.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $7.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $5.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $4.0M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $3.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.6M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $2.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $1.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $943K |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $525K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $392K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $436K |
| Accrued Interest Receivable | RCONB556 | $430K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $249K |
| Other Assets | RCON2168 | $43K |
| Prepaid Expenses | RCON2166 | $43K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · State Bank of Cold Spring quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $80.3M |
| Quarterly Average of Total Loans | RCON3360 | $47.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $33.5M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $25.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $20.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $11.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $9.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $6.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $5.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.5M |
| All Other Securities | RCONB560 | $2.6M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $757K |
| Mortgage-backed Securities | RCONB559 | $729K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · State Bank of Cold Spring derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $6.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.9M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.8M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $657K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $443K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · State Bank of Cold Spring memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $316K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (10 items)
About Schedule RC-N · State Bank of Cold Spring past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $759K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $490K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $203K |
| Additions to Nonaccrual Assets | RCONC410 | $181K |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $146K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $126K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $51K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $15K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $12K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $8K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · State Bank of Cold Spring other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $80.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $73.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $48.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $21.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $8.1M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.9M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $678K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 3,499 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 137 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 35 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · State Bank of Cold Spring regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $41.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · State Bank of Cold Spring regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $80.3M |
| Average total consolidated assets | RCOAKW03 | $80.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $41.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $8.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $8.1M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $8.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $8.1M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $7.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.5M |
| Retained Earnings | RCOAKW00 | $577K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$356K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$356K |
| General Loan and Lease Valuation Allowances | RCOA5310 | $334K |
| Tier 2 (Supplementary) Capital | RCOA5311 | $334K |
| Tier 2 Capital Before Deductions | RCOAP870 | $334K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.204 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1959 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1959 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.124 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1006 |
Schedule RC-R, Part II: Risk-Weighted Assets (44 items)
About Schedule RC-R, Part II · State Bank of Cold Spring risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $41.2M |
| Total Risk-weighted Assets | RCONG641 | $41.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $33.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $28.4M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $28.4M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $27.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $27.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $26.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $26.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $26.1M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $22.7M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $15.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $15.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $13.7M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $13.7M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $13.1M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $10.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $8.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $7.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $7.4M |
| Total Held-to-maturity Securities | RCOND961 | $7.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $5.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $5.1M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $4.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $3.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.5M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $2.6M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.6M |
| Total All Other Assets | RCOND981 | $1.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $709K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $702K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $702K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$690K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$356K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $269K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $269K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $110K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $96K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $78K |
| Cash and Balances Due from Depository Institutions - 100 Pct Risk Weight Category | RCOND960 | $27K |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $7.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $7.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $7.6M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $599K |
| Other Comprehensive Income | RIADB511 | $56K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (2 items)
About Schedule RI-B, Part I · State Bank of Cold Spring charge-offs and recoveries on loans and leases trends
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)
About Schedule RI-B, Part II · State Bank of Cold Spring changes in allowances for credit losses trends
State Bank of Cold Spring call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the State Bank of Cold Spring call report?
The State Bank of Cold Spring call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does State Bank of Cold Spring file?
State Bank of Cold Spring files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the State Bank of Cold Spring call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: State Bank of Cold Spring has Federal Reserve RSSD ID 116358 and FDIC certificate number 12444. Either one finds its filings on the FFIEC Central Data Repository.
How often does State Bank of Cold Spring file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
State Bank of Cold Spring financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 12444) · FFIEC NIC profile (RSSD 116358)