BlastPoint's Banking Scorecard
State Bank of Cold Spring
Designations: ✓ Community bank
Cold Spring, MN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -2.8% year over year ($73.8M on the books).
- Delinquency rate 1.61%.
- Return on assets 1.60%.
- Efficiency ratio 61.96% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.93% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Cold Spring has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 0.05% above tier average
- + Efficiency Ratio 57.43% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.13% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.7M
-1.7% YoY
+3.6% QoQ
|
+$19.3M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$47.2M
+12.6% YoY
+3.7% QoQ
|
+$12.3M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$73.8M
-2.8% YoY
+3.7% QoQ
|
+$22.2M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.60%
+49.9% YoY
-2.7% QoQ
|
+0.60% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.97%
+21.2% YoY
-1.1% QoQ
|
+0.05% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
61.96%
-8.5% YoY
+1.1% QoQ
|
-57.43% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
1.61%
+51.5% YoY
-35.0% QoQ
|
+0.13% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
63.93%
+15.7% YoY
-0.0% QoQ
|
-10.28% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
31.86%
+13.2% YoY
-7.3% QoQ
|
+8.37% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.93%
+73.4% YoY
-34.9% QoQ
|
+0.09% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
19.59%
-4.3% YoY
-2.1% QoQ
|
-7.53% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.21%
+6.0% YoY
+93.0% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
71% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.9%
+3.7pp YoY -2.5pp QoQ |
+7.2pp | 24.6% | 21.9% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.8%
+0.6pp YoY +0.7pp QoQ |
-9.6pp | 13.4% | 14.6% | 12.5% | 12% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
71.0%
+2.1pp YoY -2.2pp QoQ |
+36.0pp | 35.0% | 29.4% | 31.3% | 87% |
| Consumer |
7.5%
-1.3pp YoY -0.1pp QoQ |
-0.2pp | 7.7% | 4.5% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.6%
-0.9pp YoY -0.4pp QoQ |
-19.1pp | 38.7% | 16.5% | 19.7% | 44% |
| Leverage Ratio |
10.1%
+1.0pp YoY -0.2pp QoQ |
-7.6pp | 17.7% | 11.0% | 12.6% | 19% |
| Total Capital Ratio |
20.4%
-0.9pp YoY -0.4pp QoQ |
-19.3pp | 39.7% | 17.6% | 20.8% | 41% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 55 | 482 | 56% |
| Assets per Employee ($) |
$6.8M
-1.7% YoY +3.6% QoQ |
+$621K | $6.2M | $8.6M | $8.8M | 63% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.5pp YoY -0.9pp QoQ |
-0.1pp | 1.7% | 1.0% | 1.0% | 69% |
| Allowance Coverage |
0.44x
-35.4% YoY +48.4% QoQ |
-5.97x | 6.41x | 20.41x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+3.1pp YoY -0.4pp QoQ |
+10.3pp | 6.4% | 13.1% | 11.6% | 89% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 18% |
| Net Income ($, YTD) |
$639,000
+38.0% YoY — QoQ |
+$321K | $317,817 | $4.5M | $40.4M | 85% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.