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Granite Bank Locations & Branches Cold Spring, Minnesota
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Granite Bank operates 2 branches from its headquarters in Cold Spring, MN, .
Granite Bank branch network
Both branches are in MINNESOTA, across 2 cities. Its largest office by deposits is its main office in Cold Spring, MN, with $210.8M (72.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Granite Bank at a glance
Its CET1 capital ratio was 9.91% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $353.2M
- CET1 ratio, Q2 2026
- 9.91%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1902
Full financial profile · Is Granite Bank safe? · Granite Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Cold Spring, MN (1 branch) | 1 of 2 | 74.1% | $210.8M |
| State: MN (2 branches) | 106 of 277 | <0.1% | $289.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
Granite Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Stearns, MN (1 branch) | 11 of 29 | 3.0% | $210.8M | $7.13B |
| Hennepin, MN (1 branch) | 42 of 67 | <0.1% | $78.6M | $144.16B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| St. Cloud, MN (1 branch) | 11 of 32 | 2.7% | $210.8M | $7.85B |
| Minneapolis-St. Paul-Bloomington, MN-WI (1 branch) | 103 of 124 | <0.1% | $78.6M | $252.68B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Granite Bank (main office) | Cold Spring, MN | 56320 | $210.8M |
| Champlin Branch | Champlin, MN | 55316 | $78.6M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5116) · FFIEC NIC profile (RSSD 311256)