BlastPoint's Banking Scorecard

State Bank of Cold Spring

under $100M Specialty: Other MN FDIC cert 12444

Designations: ✓ Community bank

Cold Spring, MN

541 banks in the under $100M peer group nationally 55 in MN

State Bank of Cold Spring has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.80% above tier average
+ Net Interest Margin 0.15% above tier average
+ Efficiency Ratio 27.03% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.10% above tier average

Get updates when State Bank of Cold Spring releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$78.9M -10.9% YoY -1.0% QoQ	+$16.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$45.5M +2.6% YoY +3.4% QoQ	+$11.2M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	70%
Total Deposits ?	$71.2M -12.7% YoY -0.9% QoQ	+$19.4M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.64% +43.6% YoY +62.3% QoQ	+0.80%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.01% +24.7% YoY +21.4% QoQ	+0.15%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	61.31% -3.3% YoY -11.0% QoQ	-27.03%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	2.48% +577.6% YoY -5.9% QoQ	+1.10%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	63.93% +17.5% YoY +4.4% QoQ	-0.28%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	34.38% +13.1% YoY +22.5% QoQ	+10.66%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Top 14.8% in tier
Nonperforming Asset Ratio ?	1.43% +680.3% YoY -1.7% QoQ	+0.64%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	20.01% +1.9% YoY -3.4% QoQ	-6.67%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.11% +9.7% YoY -74.7% QoQ	-0.56%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	75%

Get Full Access to State Bank of Cold Spring

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.38%

Peer Median: 23.71%

#81 of 541 Top 14.8% in under $100M

Return on Assets

profitability

Value: 1.64%

Peer Median: 0.84%

#99 of 541 Top 18.1% in under $100M

129

Total Deposits

size

Value: $71.15M

Peer Median: $51.74M

#129 of 541 Top 23.7% in under $100M

136

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.67%

#136 of 541 Top 25.0% in under $100M

Top Weaknesses (2 metrics)

434

Delinquency Rate

credit_quality

Value: 2.48%

Peer Median: 1.37%

#434 of 521 Bottom 16.9% in under $100M

450

Nonperforming Asset Ratio

credit_quality

Value: 1.43%

Peer Median: 0.79%

#450 of 541 Bottom 17.0% in under $100M