13 Month CD Special 5.00% APY   *Annual Percentage Yield (APY) is effective as of 07-20-2023 *$10,000 Minimum Deposit to obtain APY *At maturity certificate will automatically renew into a 12 month CD *Penalty will be imposed for early withdrawal  


Identity theft can have a serious impact on the lives of consumers left on their own to deal with restoring their identity. The process severely disrupts personal and professional life; it can take months or even years to repair the damage and there is no guarantee it won’t happen again.  Because of this we have partnered with United Bankers’ Bank…

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Equifax Data Breach

Equifax Data Breach What Happened? Equifax, one of the three major credit reporting agencies, recently announced that the records of approximately 143 million Americans were breached between May & July of this year.  Those records contained names, birth dates, addresses, Social Security numbers and some driver’s license numbers.  In addition to the personal information accessed, 209,000 credit card numbers were…

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The new EMV Chip Debit Cards are on their way!

Your debit card will be changing, making it more secure than ever before! Upon the expiration of your current card, you’ll receive a new debit card featuring an EMV Chip.  Instead of swiping these cards, you’ll insert them into a designated slot until the point of sale unit beeps to let you know it can be removed.  If a merchant…

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  We are actively taking as many precautions and preparations as possible and monitoring the situation.  The health and safety of our customers and staff is of great importance to us.  

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!    


We at the State Bank of Cold Spring 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.