State Bank of Cold Spring (FDIC certificate #12444) is based in Cold Spring, Minnesota. Its Q2 2026 call report shows $81.7M in total assets and $73.8M in deposits and 1 office.
State Bank of Cold Spring has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 546 banks with under $100 million in assets. Among 223 banks headquartered in Minnesota, it ranks 144th. Funding & liquidity contributes the most (94/100, 64% loans-to-deposits, 17% uninsured); loan quality contributes the least (47/100, 1.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 70 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 51 |
| Q1 2026 | 59 |
| Q2 2026 | 66 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.54% |
| Q3 2024 | 8.55% |
| Q4 2024 | 8.59% |
| Q1 2025 | 8.60% |
| Q2 2025 | 9.04% |
| Q3 2025 | 9.44% |
| Q4 2025 | 9.87% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.06% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.36% |
| Q2 2025 | 1.05% |
| Q3 2025 | 0.85% |
| Q4 2025 | 2.61% |
| Q1 2026 | 2.46% |
| Q2 2026 | 1.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.77% |
| Q4 2024 | 0.80% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $81.7M | 10.06% | 1.60% | 1.60% | 63.9% |
| Q1 2026 | 59 | $78.9M | 10.25% | 2.46% | 1.64% | 63.9% |
| Q4 2025 | 51 | $79.7M | 9.87% | 2.61% | 1.01% | 61.3% |
| Q3 2025 | 68 | $81.4M | 9.44% | 0.85% | 1.07% | 58.9% |
| Q2 2025 | 65 | $83.1M | 9.04% | 1.05% | 1.06% | 55.2% |
| Q1 2025 | 70 | $88.5M | 8.60% | 0.36% | 1.14% | 54.4% |
| Q4 2024 | 62 | $89.3M | 8.59% | 0.89% | 0.80% | 51.8% |
| Q3 2024 | 61 | $86.3M | 8.55% | 0.93% | 0.77% | 54.5% |
| Q2 2024 | 62 | $88.6M | 8.54% | 0.72% | 0.68% | 49.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American State Bank of GryglaBank Grygla, MN | 83 out of 100, Strong | $81.8M | 10.8% | 0.00% | vs |
| Odin State BankBank Odin, MN | 39 out of 100, Low | $82.4M | 8.5% | 2.17% | vs |
| Farmers & Merchants State Bank of New York Mills, IncorporatedBank New York Mills, MN | 64 out of 100, Moderate | $83.5M | 13.3% | 2.28% | vs |
| Lowry State BankBank Lowry, MN | 39 out of 100, Low | $84.1M | 9.6% | 3.18% | vs |
| Vantage BankBank Kent, MN | 68 out of 100, Moderate | $85.0M | 8.5% | 0.35% | vs |
| First Security Bank - CanbyBank Canby, MN | 97 out of 100, Very strong | $85.2M | 14.1% | 0.08% | vs |
Deposit insurance
Is my money safe at State Bank of Cold Spring?
Yes. State Bank of Cold Spring is an FDIC-insured institution (FDIC certificate #12444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.4% of deposits ($12.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.06%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.40% (benchmark: 10%).
1 location
Branches
State Bank of Cold Spring lists 1 office in 1 city. Most locations:
- Cold Spring, MN (1)
Identity & history
Profile
- Legal name
- State Bank of Cold Spring
- Type
- State-chartered bank
- FDIC certificate #
- 12444
- RSSD ID
- 116358
- Primary regulator
- FDIC
- Holding company
- Lindell Bancshares Inc
- Established
- January 1, 1908
- Headquarters
- 401 Main St, Cold Spring, MN 56320
- Website
- www.statebankcoldspring.com
- Employees
- 12
Quick answers
State Bank of Cold Spring: common questions
Is State Bank of Cold Spring FDIC insured?
Yes. State Bank of Cold Spring is an FDIC-insured institution (FDIC certificate #12444). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is State Bank of Cold Spring's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has State Bank of Cold Spring ever failed?
There is no failure record for FDIC certificate #12444 in the FDIC failed bank list.
How many branches does State Bank of Cold Spring have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cold Spring
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Martin National BankBank Saint Martin, MN | 100 out of 100, Very strong | $29.4M | 15.5% | 0.00% | vs |
| Liberty Bank MinnesotaBank Saint Cloud, MN | 86 out of 100, Very strong | $290.2M | 12.9% | 0.00% | vs |
| Lake Central BankBank Annandale, MN | 86 out of 100, Very strong | $291.3M | 11.2% | 0.04% | vs |
| American Heritage National BankBank Long Prairie, MN | 80 out of 100, Strong | $604.7M | 11.9% | 0.00% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Freeport State BankBank Freeport, MN | 77 out of 100, Strong | $165.5M | 10.7% | 0.00% | vs |