State Bank Of Cold Spring is a bank based in Cold Spring, Minnesota, established in 1908, with $79 million in total assets across 1 branch. By Trust Grade it ranks 90th of 224 banks we track in Minnesota. Its capital ratio of 9.6% trails most similarly sized banks (26th percentile), versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.64% return on assets. No consumer complaints against State Bank Of Cold Spring appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How State Bank Of Cold Spring compares to Minnesota peers
How we graded State Bank Of Cold Spring
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Strongly profitable (ROA 1.64%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for State Bank Of Cold Spring over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 401 Main St, Cold Spring, MN 56320
Are deposits at State Bank Of Cold Spring insured?
Yes. State Bank Of Cold Spring is an FDIC-insured bank (FDIC certificate #12444). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
State Bank Of Cold Spring: frequently asked questions
Is State Bank Of Cold Spring a good bank?
State Bank Of Cold Spring earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Strongly profitable (ROA 1.64%).
Is State Bank Of Cold Spring FDIC-insured?
Yes. State Bank Of Cold Spring is a FDIC-insured bank (FDIC certificate #12444). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is State Bank Of Cold Spring?
State Bank Of Cold Spring holds $79 million in total assets, ranking 90th of 224 banks we track in Minnesota. It operates 1 branch.
Does State Bank Of Cold Spring have CFPB complaints?
No CFPB complaints against State Bank Of Cold Spring appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
