D
Granite Bank
Rating Date
March 2026
Risk Based
Capital Ratio
10.53
Leverage
Ratio
8.20
Return On
Assets
0.93%
Total
Assets
350.74M
Capital
29.97M
Total
Deposits
291.79M
Net
Income
3.07M
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Weiss Ratings Granite Bank
Cold Spring, MN 		Click to
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Rating D
Asset Quality Index 5.60
Capitalization Index 6.20
Liquidity Index 0.20
Profitability Index 4.90
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 14.43%
5-Year Asset Growth 27.57%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 6.51%
Non-Performing Loans to Loans 0.71%
Balance Sheet Granite Bank
Cold Spring, MN 		Click to
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Total Assets 350.74M
Total Deposits 291.79M
Capital and Reserves Granite Bank
Cold Spring, MN 		Click to
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Capital 29.97M
Leverage Ratio 8.20
Loan Loss Reserves to Loans 0.61%
Risk-Based Capital Ratio 10.53
Liquidity Granite Bank
Cold Spring, MN 		Click to
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Hot Money Ratio 7.37%
Liquidity Ratio 3.68%
Profitability Granite Bank
Cold Spring, MN 		Click to
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5-Year Return on Average Assets 1.00%
Net Income 3.07M
Net Interest Spread 4.29%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 90.72%
Return on Assets 0.93%
Return on Equity 10.63%