How Big Is State Bank of Cold Spring?
State Bank of Cold Spring holds $89M in total assets and $83M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,438th-largest of the 3,960 FDIC-insured banks we track. Those figures come from State Bank of Cold Spring's latest FDIC call report (cert #12444); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is State Bank of Cold Spring?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
State Bank of Cold Spring Size at a Glance
- Total assets
- $89M
- Total deposits
- $83M
- Domestic deposits
- $83M
- Size class
- small bank
- Rank by assets
- #3,438 of 3,960
- Headquarters
- Cold Spring, Minnesota
Source: FDIC Call Report data (cert #12444). Figures reflect the latest reported quarter.
With $89M in total assets, State Bank of Cold Spring is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,438th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $83M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.90% | 100/100 |
| Nonperforming Loan Ratio | 0.72% | 86/100 |
| Liquidity Ratio | 52.24% | 100/100 |
| Return on Assets | 0.68% | 47/100 |
| Total Assets | $0.1B | |
How does State Bank of Cold Spring compare?
With a Bank Health Score of 90/100, State Bank of Cold Spring sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, State Bank of Cold Spring ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 19.90% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.72% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, State Bank of Cold Spring's Bank Health Score fell by 1.0 points to 90/100. Tier 1 capital weakened by 0.77 percentage points to 19.90%. Quarter-over-quarter, the score fell by 2.0 points.
Frequently Asked Questions
State Bank of Cold Spring holds $89M in total assets and $83M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,438th-largest of the 3,960 FDIC-insured banks we track. Those figures come from State Bank of Cold Spring's latest FDIC call report (cert #12444); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
State Bank of Cold Spring ranks 3,438th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $89M in assets classify it as a small bank.
State Bank of Cold Spring reports $89M in total assets and $83M in total deposits ($83M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. State Bank of Cold Spring earns a Bank Health Score of 90/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $89M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. State Bank of Cold Spring (FDIC certificate #12444) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about State Bank of Cold Spring
State Bank of Cold Spring holds $89M in total assets and $83M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,438th-largest of the 3,960 FDIC-insured banks we track. Those figures come from State Bank of Cold Spring's latest FDIC call report (cert #12444); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.