Granite Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Granite Bank of Cold Spring, MN against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.25% | +0.33% | 67th above |
| ROAE | 17.82% | 12.22% | +5.60% | 79th top |
| Net Interest Margin | 4.56% | 3.95% | +0.61% | 81st top |
| Efficiency Ratio | 88.06% | 63.71% | +24.35% | 6th bottom |
| PPNR / Avg Assets | 2.28% | — | — | 82nd top |
| Yield on Earning Assets | 6.94% | 5.67% | +1.27% | 94th top |
| Cost of Funds | 2.54% | 1.87% | +0.67% | 14th bottom |
| Net Interest Spread | 3.69% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.88% | +0.50% | 20th bottom |
| NPA / Total Assets | 1.23% | — | — | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 22nd bottom |
| ACL / Total Loans | 0.66% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 48.10% | — | — | 9th bottom |
| Texas Ratio | 13.97% | 5.96% | +8.01% | 11th bottom |
| Provision / NCO | 187.50% | — | — | 55th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.91% | 17.18% | -7.27% | 2nd bottom |
| Tier 1 Ratio | 9.91% | 17.21% | -7.30% | 2nd bottom |
| Total Capital Ratio | 10.62% | — | — | 1st bottom |
| Leverage Ratio | 8.53% | 11.75% | -3.22% | 6th bottom |
| Equity / Assets | 8.86% | 10.98% | -2.12% | 25th below |
| TCE / Tangible Assets | 8.26% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 108.46% | 80.44% | +28.02% | 5th bottom |
| Core Deposit Ratio | 82.63% | 86.95% | -4.32% | 23rd bottom |
| Wholesale Funding Ratio | 8.08% | — | — | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.68% | — | — | 73rd above |
| Loan Growth (Y/Y) | 9.34% | — | — | 71st above |
| Deposit Growth (Y/Y) | 5.81% | — | — | 62nd above |
See Granite Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Granite Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Granite Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Granite Bank peer analysis.