Bank routing number ยท Cold Spring, Minnesota
Granite Bank Routing Number (ABA): 091904827
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The Granite Bank routing number is 091904827. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 27, 2026.
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
- Domestic offices
- 2 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1902
Full financial profile · Is Granite Bank safe? · Granite Bank call report · Branch locations
Granite Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 091904827 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 27, 2026. NIC holds one primary number per bank; Granite Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 09, place this number in the Federal Reserve Bank of Minneapolis's district (District 9). Digits five through eight, 0482, identify the institution within that district. The last digit, 7, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Granite Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Granite Bank checks or in its online banking. Ask the bank for wire instructions (www.granitebank.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Granite Bank
Granite Bank is headquartered in Cold Spring, Minnesota and was established in 1902. It is in the ST. CLOUD, MN metro area. It reported $353.2M in total assets and $289.3M in deposits for Q2 2026, the 75th largest of the 221 banks headquartered in Minnesota. It reports 2 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Cold Spring has a routing number listed here.
What the digits in 091904827 mean
The first four digits, 0919, are the Federal Reserve routing symbol. The prefix 09 places the number in the 9th Federal Reserve District (Minneapolis). That is also the district where the bank is headquartered. Digits five through eight, 0482, identify the institution within its Federal Reserve district. The last digit, 7, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 17 + 7 x 11 + 12 = 140, a multiple of 10, so 091904827 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Granite Bank routing number?
The Granite Bank routing number is 091904827. It is the primary ABA routing transit number registered to Granite Bank, headquartered in Cold Spring, MN. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 27, 2026.
What is the Granite Bank wire routing number?
This page lists the primary routing number registered to Granite Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Granite Bank before sending a wire.
Is ABA number 091904827 the routing number for Granite Bank?
Yes. It is the primary routing number registered to Granite Bank.
Which bank uses routing number 091904827?
It belongs to Granite Bank, headquartered in Cold Spring, MN. It is the bank's primary ABA routing number (FDIC certificate 5116).
Routing numbers of similar-size institutions in Minnesota
- Bank, Cold Spring, MN
- State Bank of Cold Spring: 091904830
- Bank, Kimball, MN
- Harvest Bank: 091908179
- Bank, Becker, MN
- Sherburne Bank: 091915201
- Credit union, Rochester, MN
- First Alliance Credit Union: 291975481
- Bank, Perham, MN
- United Community Bank: 091210074
- Credit union, Bloomington, MN
- Sharepoint Credit Union: 291074984
- Bank, Spicer, MN
- Heritage Bank, N.A.: 091914710
- Bank, Nicollet, MN
- Progrowth Bank: 091908768
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Regulator records: FDIC BankFind (cert 5116) · FFIEC NIC profile (RSSD 311256)