State Bank of Cold Spring

Small enough to know you, Large enough to serve you.

At State Bank of Cold Spring, we are proud of our long tradition of service. Chartered in 1908, the bank has been an active member of the Cold Spring community for over 100 years. We are a local, family-owned, independent community bank with our roots right here in Cold Spring.

Our Services & Products

We are dedicated to providing our customers with the support they need. 

Personal Services

Business Services

Business Products

General Services



Our Special Offers

Discover our Special Offers, designed to provide financial solutions that perfectly match your needs!

Mobile Banking Made Easy

Sign, Click, Deposit!
The remote deposit feature of our FREE App makes it easy for you to deposit checks from your iPhone or Android.  Visit the App Store for iPhone or Google Play for Android and start depositing checks the easy way!

CD Special

13-Month CD Special

4.50% APY

*Annual Percentage Yield (APY) is effective as of 03-07-2024

*$10,000 Minimum Deposit to obtain APY

*At maturity, the certificate will automatically renew into a 12-month CD

*Penalty will be imposed for early withdrawal

Looking to Buy or Refinance

Let us help you determine which loan type is right for you.

  • Conventional Fixed
  • Construction
  • Home Equity
  • Refinance

NMLS # 408450

To Report your ATM or Debit Card Lost or Stolen:

During Banking Hours

After Hours

Contact State Bank of Cold Spring

We are dedicated to providing our customers with the support they need. You will find all the ways to reach us, including operating hours.