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State Bank of Cold Spring

Cold Spring, MN
IDRSSD: 116358
Total Assets
$81.35M
Latest filing
Total Deposits
$73.85M
Latest filing
Net Interest Margin
3.35%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1908
Community BankYes
Ownership TypeNot Mutual
ZIP56320
State and County Number27145
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameSt. Cloud, MN

Operational Info

Number of Employees12
Domestic Offices1
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.statebankcoldspring.com
Data Updated11/14/2025
CERT12444
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$81.35M
Total Deposits$73.85M
Total Liabilities$74.04M
Total Equity Capital$7.32M
Net Income$221.00k
Net Loans and Leases$43.50M
Assets Per Employee ($Millions)$6.78M
Bank Premises and Fixed Assets$224.00k
Cash and Balances due from Depository Institutions$9.53M
Deposits Held in Domestic Offices$73.85M

Key Performance Ratios

Return on Assets (ROA)1.08%
Return on Equity (ROE)12.33%
Net Interest Margin3.35%
Efficiency Ratio64.06%
Tier 1 Risk-Based Capital Ratio20.528%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.24%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.992%
Earning Assets to total Assets95.49%

Income and Expense

Total Interest Income$856.00k
Total Noninterest Income$98.00k
Total Interest Expense$200.00k
Total Noninterest Expense$483.00k
Net Interest Income$656.00k
Pre-tax Net Operating Income$221.00k
Provision for Credit Losses$50.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$188.00k
Total Liabilities and Capital$81.35M

Securities

Securities$26.74M
Available-for-sale debt securities$16.16M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$10.58M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of State Bank of Cold Spring?
$81.35M as of the latest filing.
How much are State Bank of Cold Spring's total deposits?
$73.85M 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)?
1.08%.
How much are total loans and leases?
$43.50M (latest filing).
What is the total interest income (latest filing)?
$856.00k.