Side-by-side · Q2 2026 data
Lowry State Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Lowry State Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 39 | 66 (stronger) |
| Capital cushion | 46 | 51 (stronger) |
| Loan quality | 0 | 47 (stronger) |
| Earnings | 71 | 84 (stronger) |
| Funding & liquidity | 47 | 94 (stronger) |
| Problem-loan coverage | 44 | 81 (stronger) |
| Peer percentile | 3rd | 28th |
| Total assets | $84.1M | $81.7M |
| Deposits / shares | $69.6M | $73.8M |
| Capital ratio | 9.58% | 10.06% (stronger) |
| Problem loans | 3.18% | 1.60% (stronger) |
| Net charge-offs | 0.30% | -0.00% (stronger) |
| Return on assets | 1.28% | 1.60% (stronger) |
| Loans ÷ deposits | 109.6% | 63.9% (stronger) |
| Uninsured deposits | 18.4% | 17.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Cold Spring has the higher TellerScore (66 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Lowry State Bank leads on 0 and State Bank of Cold Spring on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.