This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Grygla, MN
Health score
72.8
Total assets
$81.8M
Bank
Cold Spring, MN
Health score
78.9
Total assets
$81.7M
Answer first
American State Bank of Grygla leads on capitalization and lending quality; State Bank of Cold Spring leads on financial health and profitability and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
State Bank of Cold Spring
Higher TFS health score
Capitalization
American State Bank of Grygla
Higher comparable capital ratio
Profitability
State Bank of Cold Spring
Higher return on assets
Lending quality
American State Bank of Grygla
Lower problem-loan measure
Growth
State Bank of Cold Spring
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | American State Bank of Grygla | State Bank of Cold Spring |
|---|---|---|
| TFS health score | 72.8/100 | 78.9/100Leads |
| Total assets | $81.8M | $81.7M |
| Total deposits / shares | $73.9M | $73.8M |
| Tier 1 capital ratio | 10.83%Leads | 10.06% |
| Return on assets | 1.46% | 1.60%Leads |
| Return on equity | 16.41% | 16.72% |
American State Bank of Grygla
2 branches
State Bank of Cold Spring
1 branches
Both institutions report branches in 1 state: MN.
American State Bank of Grygla
Unavailable
State Bank of Cold Spring
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
American State Bank of Grygla
0 in TFS registry
State Bank of Cold Spring
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | American State Bank of Grygla score | American State Bank of Grygla ROA | State Bank of Cold Spring score | State Bank of Cold Spring ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.21% | — | 0.77% |
| 2024-Q4 | — | 1.17% | — | 0.80% |
| 2025-Q1 | — | 1.13% | — | 1.14% |
| 2025-Q2 | — | 1.37% | — | 1.06% |
| 2025-Q3 | — | 1.46% | — | 1.07% |
| 2025-Q4 | — | 1.45% | — | 1.01% |
| 2026-Q1 | 72.3/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.00%Leads | 1.60% |
| Net charge-offs | 0.00% | -0.00%Leads |
| Efficiency ratio | 61.67%Leads | 61.96% |
| Loan-to-deposit ratio | 56.46% | 63.93% |
| Asset growth (YoY) | -3.44% | -1.65%Leads |
| Deposit / share growth (YoY) | -5.13% | -2.76%Leads |
| Branches | 2 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.12% |
| 67.0/100 |
| 1.64% |
| 2026-Q2 | 72.8/100 | 1.46% | 78.9/100 | 1.60% |