D
Granite Bank
Rating Date
August 2026
Risk Based
Capital Ratio
10.62
Leverage
Ratio
8.53
Return On
Assets
1.37%
Total
Assets
353.17M
Capital
31.30M
Total
Deposits
289.32M
Net
Income
2.39M
My Lists My Alerts
Weiss Ratings Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating D
Asset Quality Index 3.50
Capitalization Index 6.50
Liquidity Index 0.20
Profitability Index 6.70
Stability Index 5.20
Company Info Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 5116
Phone Number (320) 685-8611
Website granitebank.com
Asset Quality Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 7.68%
5-Year Asset Growth 27.57%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 1.23%
Non-Performing Loans to Capital 13.76%
Non-Performing Loans to Loans 1.38%
Balance Sheet Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 353.17M
Total Deposits 289.32M
Capital and Reserves Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 31.30M
Leverage Ratio 8.53
Loan Loss Reserves to Loans 0.66%
Risk-Based Capital Ratio 10.62
Liquidity Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 6.16%
Liquidity Ratio 2.75%
Profitability Granite Bank
Cold Spring, MN 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.95%
Net Income 2.39M
Net Interest Spread 4.57%
Operating Profit to Average Assets 1.91%
Overhead Efficiency Ratio 88.84%
Return on Assets 1.37%
Return on Equity 15.73%