State Bank of Cold Spring quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79M | $71M | $45M | $8M | $325K | 1.64% | 17.10% | 4.01% | 2.46% |
| Q4 2025 | $80M | $72M | $44M | $8M | $169K | 1.01% | 12.05% | 3.30% | 2.61% |
| Q3 2025 | $81M | $74M | $44M | $7M | $221K | 1.07% | 13.13% | 3.29% | 0.85% |
| Q2 2025 | $83M | $76M | $42M | $7M | $209K | 1.06% | 13.58% | 3.27% | 1.05% |
| Q1 2025 | $89M | $82M | $44M | $7M | $254K | 1.14% | 15.12% | 3.21% | 0.36% |
| Q4 2024 | $89M | $82M | $43M | $7M | $196K | 0.80% | 11.61% | 2.76% | 0.89% |
| Q3 2024 | $86M | $80M | $43M | $7M | $211K | 0.77% | 11.44% | 2.66% | 0.93% |
| Q2 2024 | $89M | $83M | $41M | $6M | $108K | 0.68% | 10.41% | 2.55% | 0.72% |
| Q1 2024 | $85M | $79M | $39M | $6M | $193K | 0.87% | 13.41% | 2.60% | 0.51% |
| Q4 2023 | $93M | $87M | $39M | $6M | $75K | 0.60% | 11.06% | 2.32% | 0.67% |
| Q3 2023 | $93M | $88M | $39M | $5M | $175K | 0.69% | 13.19% | 2.33% | 0.65% |
| Q2 2023 | $97M | $87M | $39M | $5M | $157K | 0.66% | 12.88% | 2.30% | 1.55% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.