Side-by-side · Q2 2026 data
Randall State Bank vs State Bank of Cold Spring
Metric by metric
| Measure | Randall State Bank | State Bank of Cold Spring |
|---|---|---|
| TellerScore | 56 | 66 (stronger) |
| Capital cushion | 57 (stronger) | 51 |
| Loan quality | 23 | 47 (stronger) |
| Earnings | 80 | 84 (stronger) |
| Funding & liquidity | 63 | 94 (stronger) |
| Problem-loan coverage | 79 | 81 (stronger) |
| Peer percentile | 15th | 28th |
| Total assets | $76.4M | $81.7M |
| Deposits / shares | $63.2M | $73.8M |
| Capital ratio | 10.73% (stronger) | 10.06% |
| Problem loans | 2.30% | 1.60% (stronger) |
| Net charge-offs | 0.79% | -0.00% (stronger) |
| Return on assets | 1.50% | 1.60% (stronger) |
| Loans ÷ deposits | 96.6% | 63.9% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 17.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Cold Spring has the higher TellerScore (66 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Randall State Bank leads on 2 and State Bank of Cold Spring on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.