D
Granite Bank
Rating Date
June 2025
Risk Based
Capital Ratio
10.60
Leverage
Ratio
8.37
Return On
Assets
0.75%
Total
Assets
308.47M
Capital
27.82M
Total
Deposits
272.73M
Net
Income
581.00K
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Weiss Ratings Granite Bank
Cold Spring, MN 		Click to
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Rating D
Asset Quality Index 6.00
Capitalization Index 6.40
Liquidity Index 0.10
Profitability Index 4.10
Stability Index 3.70
Company Info Granite Bank
Cold Spring, MN 		Click to
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FDIC Number 5116
Phone Number (320) 685-8611
Website granitebank.com
Asset Quality Granite Bank
Cold Spring, MN 		Click to
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1-Year Asset Growth 5.02%
5-Year Asset Growth 32.41%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.58%
Non-Performing Loans to Capital 3.85%
Non-Performing Loans to Loans 0.49%
Balance Sheet Granite Bank
Cold Spring, MN 		Click to
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Total Assets 308.47M
Total Deposits 272.73M
Capital and Reserves Granite Bank
Cold Spring, MN 		Click to
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Capital 27.82M
Leverage Ratio 8.37
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio 10.60
Liquidity Granite Bank
Cold Spring, MN 		Click to
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Hot Money Ratio 5.62%
Liquidity Ratio 4.05%
Profitability Granite Bank
Cold Spring, MN 		Click to
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5-Year Return on Average Assets 1.00%
Net Income 581.00K
Net Interest Spread 4.22%
Operating Profit to Average Assets 1.04%
Overhead Efficiency Ratio 89.12%
Return on Assets 0.75%
Return on Equity 8.42%