STATE BANK OF COLD SPRING
COLD SPRING, MINNESOTA · FDIC Cert #12444
Capital & Safety Analysis
According to FDIC financial data, STATE BANK OF COLD SPRING holds a Tier 1 capital ratio of 19.90%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning STATE BANK OF COLD SPRING has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
STATE BANK OF COLD SPRING shows strong financial health indicators. With $89M in assets and a Health Score of 90/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
STATE BANK OF COLD SPRING has a Bank Health Score of A (90/100). It holds a Tier 1 capital ratio of 19.90%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
STATE BANK OF COLD SPRING holds $89M in total assets and $83M in total deposits. It is located in COLD SPRING, MINNESOTA (FDIC Certificate #12444).
STATE BANK OF COLD SPRING has a Tier 1 capital ratio of 19.90%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.72%, and the return on assets is 0.68%.
Yes. STATE BANK OF COLD SPRING is FDIC-insured (Certificate #12444). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.