Side-by-side · Q2 2026 data
State Bank of Cold Spring vs Pine Country Bank
Metric by metric
| Measure | State Bank of Cold Spring | Pine Country Bank |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 51 | 52 (stronger) |
| Loan quality | 47 | 98 (stronger) |
| Earnings | 84 (stronger) | 76 |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 28th | 72nd |
| Total assets | $81.7M | $380.3M |
| Deposits / shares | $73.8M | $335.1M |
| Capital ratio | 10.06% | 10.24% (stronger) |
| Problem loans | 1.60% | 0.06% (stronger) |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 1.60% (stronger) | 1.40% |
| Loans ÷ deposits | 63.9% (stronger) | 72.3% |
| Uninsured deposits | 17.4% (stronger) | 17.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Cold Spring leads on 4 and Pine Country Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.