BlastPoint's Banking Scorecard
State Bank of Cold Spring
Designations: ✓ Community bank
Cold Spring, MN
State Bank of Cold Spring has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.14% above tier average
- + Efficiency Ratio 26.32% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.11% above tier average
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
|
+$16.6M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
70% |
| Total Loans ? |
$45.5M
+2.6% YoY
+3.4% QoQ
|
+$11.2M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
70% |
| Total Deposits ? |
$71.2M
-12.7% YoY
-0.9% QoQ
|
+$19.3M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
76% |
| Return on Assets ? |
1.64%
+43.6% YoY
+62.3% QoQ
|
+0.78% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
82% |
| Net Interest Margin ? |
4.01%
+24.7% YoY
+21.4% QoQ
|
+0.14% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
59% |
| Efficiency Ratio ? |
61.31%
-3.3% YoY
-11.0% QoQ
|
-26.32% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
72% |
| Delinquency Rate ? |
2.48%
+577.6% YoY
-5.9% QoQ
|
+1.11% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
63.93%
+17.5% YoY
+4.4% QoQ
|
-0.18% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
34.38%
+13.1% YoY
+22.5% QoQ
|
+10.59% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
Top 14.9% in tier |
| Nonperforming Asset Ratio ? |
1.43%
+680.3% YoY
-1.7% QoQ
|
+0.65% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
20.01%
+1.9% YoY
-3.4% QoQ
|
-6.76% |
26.77%
+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%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
75% |
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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.