Granite Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.71 percentage points in Q2 2026, from 103.75% to 108.46%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Granite Bank is 83rd of 221 on return on assets, 1.58% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Granite Bank sits 0.32 points higher, at 1.58% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.91% |
| Tier 1 risk-based capital ratio | 9.91% |
| Total risk-based capital ratio | 10.62% |
| Tier 1 leverage ratio | 8.53% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 8.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.38% |
| Non-performing assets ratio | 1.23% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 13.97% |
| Allowance for credit losses to loans | 0.66% |
| Reserve coverage of non-performing loans | 48.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 17.82% |
| Net interest margin | 4.56% |
| Efficiency ratio | 88.06% |
| Yield on earning assets | 6.94% |
| Cost of funds | 2.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.46% |
| Core deposits to total deposits | 82.63% |
| Brokered deposits to total deposits | 15.86% |
| Deposits to assets | 81.92% |
| Securities to assets | 4.45% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.08% | 10.08% | 10.80% | 8.66% | 0.63% |
| Q4 2023 | 10.11% | 10.11% | 10.80% | 8.54% | 0.23% |
| Q1 2024 | 10.02% | 10.02% | 10.73% | 8.26% | 0.09% |
| Q2 2024 | 10.18% | 10.18% | 10.91% | 8.08% | 0.48% |
| Q3 2024 | 10.20% | 10.20% | 10.91% | 8.30% | 1.47% |
| Q4 2024 | 10.05% | 10.05% | 10.76% | 8.16% | 1.02% |
| Q1 2025 | 9.89% | 9.89% | 10.60% | 8.37% | 0.75% |
| Q2 2025 | 9.82% | 9.82% | 10.51% | 8.50% | 1.16% |
| Q3 2025 | 10.27% | 10.27% | 10.98% | 8.03% | 1.08% |
| Q4 2025 | 9.85% | 9.85% | 10.53% | 8.20% | 0.74% |
| Q1 2026 | 9.81% | 9.81% | 10.52% | 8.10% | 1.16% |
| Q2 2026 | 9.91% | 9.91% | 10.62% | 8.53% | 1.58% |
Granite Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Granite Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Granite Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5116) · FFIEC NIC profile (RSSD 311256)