State Bank of Cold Spring
Cold Spring, MN
IDRSSD: 116358
Total Assets
$79.66M
Latest filing
Total Deposits
$71.83M
Latest filing
Net Interest Margin
3.35%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
State Bank of Cold Spring
401 Main St
Cold Spring, MN 56320
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 7923
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| State Bank of Cold Spring (Main) | 401 Main St | Cold Spring, MN | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56320 |
| State and County Number | 27145 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Cloud, MN |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.statebankcoldspring.com |
| Data Updated | 01/30/2026 |
| CERT | 12444 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $79.66M |
| Total Deposits | $71.83M |
| Total Liabilities | $72.03M |
| Total Equity Capital | $7.63M |
| Net Income | $169.00k |
| Net Loans and Leases | $44.00M |
| Assets Per Employee ($Millions) | $6.64M |
| Bank Premises and Fixed Assets | $229.00k |
| Cash and Balances due from Depository Institutions | $12.04M |
| Deposits Held in Domestic Offices | $71.83M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 9.05% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 76.5% |
| Tier 1 Risk-Based Capital Ratio | 20.718% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.574% |
| Earning Assets to total Assets | 94.85% |
Income and Expense
| Total Interest Income | $829.00k |
| Total Noninterest Income | $78.00k |
| Total Interest Expense | $188.00k |
| Total Noninterest Expense | $550.00k |
| Net Interest Income | $641.00k |
| Pre-tax Net Operating Income | $169.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $201.00k |
| Total Liabilities and Capital | $79.66M |
Securities
| Securities | $22.12M |
| Available-for-sale debt securities | $13.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $9.06M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of State Bank of Cold Spring?
$79.66M as of the latest filing.
How much are State Bank of Cold Spring's total deposits?
$71.83M in total deposits.
Where is State Bank of Cold Spring located?
Cold Spring, MN.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
1.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$44.00M (latest filing).
What is the total interest income (latest filing)?
$829.00k.