Is State Bank of Cold Spring Safe?
State Bank of Cold Spring has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (47/100).
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.
State Bank of Cold Spring has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (47/100).