Side-by-side · Q2 2026 data
State Bank of Cold Spring vs Liberty Bank Minnesota
Metric by metric
| Measure | State Bank of Cold Spring | Liberty Bank Minnesota |
|---|---|---|
| TellerScore | 66 | 86 (stronger) |
| Capital cushion | 51 | 79 (stronger) |
| Loan quality | 47 | 100 (stronger) |
| Earnings | 84 (stronger) | 62 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 28th | 90th |
| Total assets | $81.7M | $290.2M |
| Deposits / shares | $73.8M | $262.9M |
| Capital ratio | 10.06% | 12.90% (stronger) |
| Problem loans | 1.60% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.60% (stronger) | 1.04% |
| Loans ÷ deposits | 63.9% | 51.7% (stronger) |
| Uninsured deposits | 17.4% | 9.1% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
Liberty Bank Minnesota has the higher TellerScore (86 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cold Spring leads on 2 and Liberty Bank Minnesota on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.