State Bank of Cold Spring
Cold Spring, MN·RSSD 116358·FDIC 12444·bank:116358·Risk-based ratios where reported
- #189 of 225Total assets in Minnesota
- 1offices
- 12employees
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at State Bank of Cold Spring
1 of 23 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.96%peers 3.94%+2 bps
State Bank of Cold Spring's net interest margin rose 65 bps over the past year to 3.96%. Among 568 similar banks, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.96% | 3.94% | +2 bps |
| 12-month change | ||
| +65 bps | +13 bps | +52 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. State Bank of Cold Spring itself is left out of every peer median and percentile. How signals work
Where State Bank of Cold Spring differs most from peers
Noninterest-bearing deposit share rising faster than peersContext: Funding31.9%peers 23.1%+8.7 pp
State Bank of Cold Spring's share of deposits that pay no interest rose 3.7 percentage points over the past year to 31.9%. Among 534 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Share of deposits that pay no interest | ||
| 31.9% | 23.1% | +8.7 pp |
| 12-month change | ||
| +3.7 pp | +0.2 pp | +3.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. State Bank of Cold Spring itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersContext: Capital10.06%peers 13.06%-3.0 pp
State Bank of Cold Spring's leverage ratio rose 1.0 percentage points over the past year to 10.06%. Among 575 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 10.06% | 13.06% | -3.0 pp |
| 12-month change | ||
| +1.0 pp | +0.1 pp | +0.9 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. State Bank of Cold Spring itself is left out of every peer median and percentile. How signals work
Key facts
- State Bank of Cold Spring is a bank headquartered in Cold Spring, Minnesota. It reported $81.7 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $73.8 million, down 2.8% from a year earlier, and loans totaled $47.5 million, up 12.5%.
- Its net interest margin was 3.96% and its annualized return on assets was 1.57% for the quarter.
- Its cost of all deposits was 0.89%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With State Bank of Cold Spring's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- State Bank of Cold Spring · Bank
- Federal Reserve RSSD
- 116358
- FDIC certificate
- 12444
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. State Bank of Cold Spring itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $314K | — | |
| $916K | — | |
| $161K | — | |
| $755K | — | |
| $85K | — | |
| $526K | — | |
| $0 | — | |
| $0 | — | |
| 1.57% | 1.56%ROAQ · Quarter | |
| 3.96% | 3.95%NIMYQ · Quarter | |
| 62.62% | 62.62%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.