BanksGRANITE BANK

GRANITE BANK

COLD SPRING, MNSmallEst. Jan. 1, 1902, midnightFDIC #5116RSSD #311256FDIC
Latest · 2025-12-31

GRANITE BANK is an 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%. CET1 capital ratio: 9.85%. NPL ratio: 0.71% · Texas Ratio: 8.64%. Operates 2 domestic branches.

Assets
$351M
Deposits
$292M
Loans
$311M
Equity
$30M

Profitability

Return on Assets (ROA)0.73%
Return on Equity (ROE)8.44%
Net Interest Margin4.48%
Yield on Assets7.02%
Cost of Funds2.59%

Asset Quality

NPL Ratio0.71%
Net Charge-Off Ratio0.04%
Texas Ratio8.64%
NPA Ratio0.78%
ACL / Loans0.61%

Capital & Liquidity

CET1 Ratio9.85%
Tier 1 Capital9.85%
Total Capital Ratio10.53%
Leverage Ratio8.20%
Loan-to-Deposit106.44%

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