Side-by-side · Q2 2026 data
State Bank of Cold Spring vs Odin State Bank
Metric by metric
| Measure | State Bank of Cold Spring | Odin State Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 39 |
| Capital cushion | 51 (stronger) | 35 |
| Loan quality | 47 (stronger) | 28 |
| Earnings | 84 (stronger) | 16 |
| Funding & liquidity | 94 (stronger) | 81 |
| Problem-loan coverage | 81 (stronger) | 65 |
| Peer percentile | 28th | 3rd |
| Total assets | $81.7M | $82.4M |
| Deposits / shares | $73.8M | $74.4M |
| Capital ratio | 10.06% (stronger) | 8.50% |
| Problem loans | 1.60% (stronger) | 2.17% |
| Net charge-offs | -0.00% (stronger) | 2.68% |
| Return on assets | 1.60% (stronger) | -0.11% |
| Loans ÷ deposits | 63.9% (stronger) | 79.7% |
| Uninsured deposits | 17.4% | 9.1% (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), State Bank of Cold Spring leads on 6 and Odin State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.