Compared with Minnesota
3 of 14
compared fees are above the median.
9 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
27th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Minnesota median
of 14 compared; 9 below, 2 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for State Bank of Cold Spring at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | State Bank of Cold Spring's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 1.2% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (27th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $10K in Q2 2026, 23% below the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
3 of 14 compared published fees sit above the Minnesota median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $10K. Its share of revenue, 1.2%, is below the 2.1% median for banks with under $300M in assets.
$10K
State Bank of Cold SpringMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
State Bank of Cold Spring · $82M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| State Bank of Cold Spring(this institution) | Cold Spring, MN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| American State Bank of Grygla | Grygla, MN | $82M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bandera Bank | Bandera, TX | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Ontario | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Yates City | Yates City, IL | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens National Bank of Crosbyton | Crosbyton, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Concorde Bank | Blomkest, MN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Conneaut Savings Bank | Conneaut, OH | $77M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers and Merchants Bank | Arnett, OK | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank of Pike | Molena, GA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of South Padre Island | South Padre Island, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Rivers Bank | Paramus, NJ | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highland Federal Savings and Loan Association | Crossville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Independence State Bank | Independence, WI | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| McClave State Bank | McClave, CO | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Century Bank | Belleville, KS | $89M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| North Cambridge Co-operative Bank | Cambridge, MA | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Park Bank, National Association | Holmen, WI | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sherwood Community Bank | Creighton, MO | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Atlanta National Bank | Atlanta, IL | $81M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Blanchester | Blanchester, OH | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Manning | Manning, IA | $88M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First State Bank of Red Wing | Red Wing, MN | $86M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Howard State Bank, Howard, Kansas | Howard, KS | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tri-Valley Bank | Randolph, IA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.63 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
State Bank of Cold Spring does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for State Bank of Cold Spring (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $10K | $0 | 0.0% |
| Q1 2026 | $10K | −$6K | −37.5% |
| Q4 2025 | $16K | +$6K | +60.0% |
| Q3 2025 | $10K | −$3K | −23.1% |
| Q2 2025 | $13K | −$2K | −13.3% |
| Q1 2025 | $15K | +$3K | +25.0% |
| Q4 2024 | $12K | $0 | 0.0% |
| Q3 2024 | $12K | +$2K | +20.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, State Bank of Cold Spring left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to State Bank of Cold Spring by share.
Amounts from State Bank of Cold Spring’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (OD Charge) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds Item (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Replacement | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: International (Outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: International (Incoming) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Canadian Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination-Setup Charge | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Lost Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levies/Garnishments | $30Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (OD Charge) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds Item (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Check Charge (Business Accounts Only) | $5 | per item | None |
ATM & Card | |||
| Card Replacement | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: International (Outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: International (Incoming) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Bank Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Canadian Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination-Setup Charge | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Lost Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levies/Garnishments | $30Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where State Bank of Cold Spring operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $73.8M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $73.8M |
St. Cloud, MN
0.9% of bank deposits, #21 of 32, down 0.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Stearns Bank National Association | 25.2% |
| Old National Bank | 11.2% |
| Wells Fargo Bank, National Association | 8% |
| Falcon National Bank | 6.8% |
| U.S. Bank National Association | 6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. Cloud, MN, State Bank of Cold Spring holds 0.9% of bank deposits, #21 of 32, with 1 office.
83 offices of 38 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 32 institutions shown. $7.9B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0.9% share, 1 office, #21 of 32
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
27 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.