GRANITE BANK

COLD SPRING, MN | Small | Est. Jan. 1, 1902, midnight | FDIC #5116 | RSSD #311256 | FDIC
Latest Report: 2025-12-31

GRANITE BANK is asn small FDIC-insured commercial bank headquartered in COLD SPRING, MN, established in Jan. 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $351M and total deposits of $292M. Profitability stands at 0.73% ROA and 8.44% ROE, with a net interest margin of 4.48%. The bank's CET1 capital ratio is 9.85%. Asset quality metrics show a non-performing loan ratio of 0.71% and a Texas Ratio of 8.64%. FDIC Certificate #5116.

Assets

$351M

Deposits

$292M

Loans

$311M

Equity

$30M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.44%
Net Interest Margin (NIM) 4.48%
Yield on Assets 7.02%
Cost of Funds 2.59%

Asset Quality

NPL Ratio 0.71%
Net Charge-Off Ratio 0.04%
Texas Ratio 8.64%
NPA Ratio 0.78%
ACL / Loans 0.61%

Capital & Liquidity

CET1 Ratio 9.85%
Tier 1 Capital 9.85%
Total Capital Ratio 10.53%
Leverage Ratio 8.20%
Loan-to-Deposit 106.44%

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