Side-by-side · Q2 2026 data
State Bank of Cold Spring vs American State Bank of Grygla
Metric by metric
| Measure | State Bank of Cold Spring | American State Bank of Grygla |
|---|---|---|
| TellerScore | 66 | 83 (stronger) |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 47 | 100 (stronger) |
| Earnings | 84 (stronger) | 78 |
| Funding & liquidity | 94 | 99 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 28th | 73rd |
| Total assets | $81.7M | $81.8M |
| Deposits / shares | $73.8M | $73.9M |
| Capital ratio | 10.06% | 10.83% (stronger) |
| Problem loans | 1.60% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.60% (stronger) | 1.46% |
| Loans ÷ deposits | 63.9% | 56.5% (stronger) |
| Uninsured deposits | 17.4% | 16.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
American State Bank of Grygla has the higher TellerScore (83 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cold Spring leads on 2 and American State Bank of Grygla on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.