State Bank of Cold Spring
Cold Spring, MN · Cert 12444 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lindell Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$81.7MAssets
$47.5MLoans
$73.8MDeposits
$7.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets operating in a single state (rank 626 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.23%
Rank 278 of 746
Net Interest Margin
3.76%
Rank 343 of 746
Efficiency Ratio
61.96%
Rank 320 of 746
Equity / Assets
9.45%
Rank 501 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 57% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.72% | 1.06% | 1.45% | Beats 63% | 278 / 746 | |
| Return on Equity | 12.99% | 6.74% | 10.51% | 13.63% | Beats 70% | 227 / 746 | |
| Net Interest Margin | 3.76% | 3.17% | 3.68% | 4.16% | Beats 54% | 343 / 746 | |
| Efficiency Ratio | 61.96% | 55.74% | 64.58% | 75.47% | Beats 57% | 320 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.09% | 0.42% | 1.07% | Beats 16% | 626 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.59% | 11.55% | 13.75% | 17.60% | Beats 82% | 135 / 746 | |
| Total Risk-Based Capital Ratio | 20.40% | 11.71% | 14.33% | 18.43% | Beats 82% | 136 / 746 | |
| Equity / Assets | 9.45% | 8.90% | 10.51% | 13.06% | Beats 33% | 501 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 64.38% | 61.31% | 78.27% | 90.78% | 29th pctl | 533 / 746 | |
| Loans / Assets | 58.13% | 53.60% | 66.97% | 76.08% | 33rd pctl | 503 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |