State Bank of Cold Spring: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks State Bank of Cold Spring of Cold Spring, MN against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.56% | 3.13% | -1.57% | 71st above |
| ROAE | 16.42% | 10.29% | +6.13% | 83rd top |
| Net Interest Margin | 3.96% | 3.94% | +0.02% | 55th above |
| Efficiency Ratio | 62.19% | 76.35% | -14.16% | 67th above |
| PPNR / Avg Assets | 1.56% | 1.40% | +0.16% | 63rd above |
| Yield on Earning Assets | 4.80% | 5.36% | -0.56% | 32nd below |
| Cost of Funds | 0.90% | 1.70% | -0.80% | 83rd top |
| Net Interest Spread | 3.47% | 3.32% | +0.15% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.60% | 1.33% | +0.27% | 22nd bottom |
| NPA / Total Assets | 0.93% | 0.71% | +0.22% | 21st bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.70% | 1.49% | -0.79% | 10th bottom |
| ACL / NPLs (Coverage) | 44.01% | 867.92% | -823.91% | 14th bottom |
| Texas Ratio | 9.42% | 8.26% | +1.16% | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 19.59% | 62.37% | -42.78% | 42nd below |
| Tier 1 Ratio | 19.59% | 62.38% | -42.79% | 42nd below |
| Total Capital Ratio | 20.40% | 63.35% | -42.95% | 40th below |
| Leverage Ratio | 10.06% | 17.66% | -7.60% | 19th bottom |
| Equity / Assets | 9.45% | 16.46% | -7.01% | 21st bottom |
| TCE / Tangible Assets | 9.45% | 16.21% | -6.76% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.38% | 72.85% | -8.47% | 54th above |
| Core Deposit Ratio | 98.30% | 88.25% | +10.05% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.65% | 4.27% | -5.92% | 23rd bottom |
| Loan Growth (Y/Y) | 12.53% | 6.74% | +5.79% | 82nd top |
| Deposit Growth (Y/Y) | -2.76% | 3.74% | -6.50% | 21st bottom |
See State Bank of Cold Spring's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock State Bank of Cold Spring, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full State Bank of Cold Spring profile, how to read a UBPR, or how this data updates.