State Bank of Cold Spring
Major Rating Factors:
A current level of 9.0 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 20.4 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (36%), securities (28%), cash (12%), home eq lns (5%), comm re (5%), consumer loans (4%), comm loans (2%), other (8%)
States with Branches:
MN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Lindell Bancshares, Inc.
Investment Rating
--
Address
401 Main Street
Cold Spring, MN 56320
Cold Spring, MN 56320
Phone Number
(320) 685-8655
Year Founded
1908
FDIC Number
Largest Affiliates
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