BlastPoint's Banking Scorecard
State Bank of Cold Spring
Micro
Specialty: Other
MN
FDIC cert 12444
Designations: ✓ Community bank
Cold Spring, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
State Bank of Cold Spring faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.7M
-10.8% YoY
-2.1% QoQ
|
-$137.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$44.0M
+3.1% YoY
+1.1% QoQ
|
-$95.2M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$71.8M
-12.8% YoY
-2.7% QoQ
|
-$111.8M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.01%
+26.4% YoY
-5.2% QoQ
|
-0.07% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.30%
+19.7% YoY
+0.4% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
68.91%
-8.0% YoY
+3.6% QoQ
|
+1.18% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
2.63%
+193.0% YoY
+205.9% QoQ
|
+1.99% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
61.25%
+18.2% YoY
+4.0% QoQ
|
-13.28% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
28.07%
-7.1% YoY
-1.6% QoQ
|
+5.68% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.45%
+238.8% YoY
+215.9% QoQ
|
+1.00% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
20.72%
+2.8% YoY
+0.9% QoQ
|
+11.87% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.43%
+20.7% YoY
+32.7% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.63%
(Tier avg: 0.64%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
87
87th pctile
Tier 1 Capital Ratio
Current: 20.72% · Tier avg: 8.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 28.07% · Tier avg: 22.39%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.91% · Tier avg: 67.73%
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.25% · Tier avg: 74.53%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
17
17th pctile
Total Loans
Current: $44.0M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.7M · Tier avg: $217.5M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.63% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.63% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.45% · Tier avg: 0.45%
16
16th pctile
Total Assets
Current: $79.7M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $44.0M · Tier avg: $139.2M
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
26
26th pctile
Loan-to-Deposit Ratio
Current: 61.25% · Tier avg: 74.53%
43
43th pctile
Efficiency Ratio
Current: 68.91% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 28.07% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.72% · Tier avg: 8.85%