# STATE BANK OF COLD SPRING
COLD SPRING, MN · FDIC certificate 12444 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $81.7M | |
| Deposits | $73.8M | |
| Loans and leases | $47.5M | |
| Total equity | $7.7M | |
| Loans / deposits | 63.93% (p36 of band) | 73.59% |
| Liquid assets / assets | 40.36% (p63 of band) | |
| Uninsured deposits / deposits | 17.43% (p41 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.06% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -5.92% (p53 of band) | -6.57% |
| AOCI / equity | 0.73% (p96 of band) | |
| ROA (annualized) | 1.60% (p72 of band) | 1.17% |
| Net interest margin | 3.97% (p52 of band) | 3.93% |
| Efficiency ratio | 61.96% (p40 of band) | |
| Noncurrent loans | 1.60% (p80 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 44.01% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 23.11% (p57 of band) | |
| Auto loans | $1.3M (2.84% of loans; DQ 1.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving | capital falling |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | charge-offs p90 |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | charge-offs p90 |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 2 | uninsured deposits leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | uninsured deposits leaving |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | capital falling, noncurrent p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% | reserve under noncurrent, capital falling, noncurrent p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | leverage <7%, capital falling |  |
| 2022-12 | 4 |  | capital falling |
| 2023-03 | 2 |  | AOCI drag >20% of equity, leverage <7% |
| 2023-06 | 5 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 5 | assets shrinking | reserve under noncurrent |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 | charge-offs p90 | NIM <2.5% |
| 2024-06 | 5 | reserve under noncurrent | charge-offs p90 |
| 2024-09 | 4 |  | securities losses >30% of equity |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 0 |  | deposits shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2025-06 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | noncurrent p90 |  |
| 2026-03 | 4 |  | noncurrent p90 |
| 2026-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-25 [Urban M. Neisen Obituary June 25, 2024 - Starkson Family Life Celebration Chapel - Starkson Family Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBBb0RZLTV3cGtjUC1CQjVxcWxLbm1XVGdLMFo0dkNkdFpqMTA3THJsZTVGTFZsZVgxWkNEbmVNSGpHaVVhdXVmNXZmWVlta0w0RTQzb05XV2dranRMTHMzOTh1eTFrZmc?oc=5) · Starkson Family Funeral Homes
- 2024-12-09 [Quarry Cinema Spreads Holiday Cheer with Free Christmas Movie Tickets for Families - KNSI](https://news.google.com/rss/articles/CBMiUkFVX3lxTE41LVVSd1lmTDVaUWtRRERxVjExaGczV21yeUFYcFFxUzJnQzcyR2RzLW9lM2Y1d0YxNDFtZVRSZXdUQmJaOTZMRklIS3VuNTlVdFE?oc=5) · KNSI
- 2024-11-30 [Free Holiday Movies Return To Quarry Cinema In Cold Spring - WJON](https://news.google.com/rss/articles/CBMiggFBVV95cUxOZkV6aU9mYmVEcHdGdzMyWFh6ZmltQlhfOVBZaHh5eU1NUFMyUHhkUFFQWXhVVEhHaElGYlJ2eGpWXzVZc3ZPODhIZWRscG5WbjhVeFkwYy12dTUxWEdwUG1vdTFfWHJSZTFpOUZHMllVb2pqWU1aSkZSbU9XR01BZzh3?oc=5) · WJON
- 2026-05-11 [James "Jim" Dolan Obituary - St. Cloud Times](https://news.google.com/rss/articles/CBMiWkFVX3lxTE9JNnVUVE5KZkZnNjVQZExWTDJuVngtazc4VEdxTmdhb1NULWlpRnoxTHdRS0xsTzM3TTJST295clJjUUl0SGlybmRjVWtTUC1ZNHY1RkRsaWlCUQ?oc=5) · St. Cloud Times
- 2012-11-29 [Thomas "Tommy" Decker - View Obituary & Service Information - Wenner Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTFBDZVdoMHNmTERfUzhmSl9nR1g3UzhrZHU1VlE0UHdTSi1tN2tzUzdyUXRhVmpfckxtNEpmLTBESHFxQ0syX0RQMno5TlJfTmRwUWRVVzhGUDF5ZC12MGltUDhXa1hXbk5uaE05NjQ4M2Ywa1dBN0E?oc=5) · Wenner Funeral Home
- 2026-05-07 [James "Jim" Dolan Obituary (2026) - Cold Spring, MN - Wenner Funeral Home - Cold Spring - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE5oU0EyT3dLdUlhV3BSWXkzVGhURER0WGROb1NDUHpYUi1ya2hCMjJYVEY0UGRHc2h4SkNzSjItU3hGVlBqU1Z4dUlLcU12c2lxUTNyTDI5Vnpfc0tMZEJVNmNybDZiLU1sSXpLZ0p0RjZzRG5raDlBOXhjaFdZcTA?oc=5) · legacy.com
- 2019-03-05 [Katherine Weber Obituary (1947 - 2019) - Cold Spring, MN - St. Cloud Times - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQWVJDSXh0VVloR194MUFxdDMzSW5Ub0dxZVlwdDJITjhsbFZkN0ctZU1pMGJiRDNBeGFUdS1sVTJNMXBMbi1YaWg1dURfSHJSOVVDS015d3dnMTNBWHNmVzY2NjdYbnFfS0FIQnlnNENLUmxPQkhsdERwRml5MnU0d3JxNXlhSlcxbGZCcFFR?oc=5) · legacy.com
- 2014-01-08 [David Griffin Obituary (1946 - 2014) - Cold Spring, MN - St. Cloud Times - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPSFZBT1RRMDRrRm9QY1dfZzF0ZDNNdV9PRExWQ1VVQzRTTk52d1BoRVJ0QTlmNExtYk9sYkw5WE85allJbjI5dVdRSXZWcUN3djhibEt2ZXhLR0ZIMTk3MXhham9meDJhbVF1dktoT3ZNaFM0WjhtQUg4Wjk1QmlXelBMeW1NX3JMZlN1QQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12444 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "12444", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide