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Granite Bank
Granite Bank
RSSD ID 311256 | CERTIFICATE 5116 | ABA NUMBER 91904827
202 2nd Ave S Quarter Ended : 2025-03-31
Cold Spring, Minnesota, 56320 Updated : 2025-04-30
www.granitebank.com

Institution Profile
Year Opened : 1902 Institution Type : Commercial bank
Entity Type : State Federal Regulator : FDIC
Member Federal Reserve : No S-Corp : No
Fiduciary Powers : No Powers Exercised : No
Filing Type : 051
Specialization : Commercial Lending Specialization
Number of Offices : 2 Number of Employees : 189
Related Company Filings Regulator
 FIRST BANCSHARES COLD SPRING FED

Financial Reports
RC - Balance Sheet Report
RI - Income Statement Report
:· All Financial Reports ...

Financial Fast Facts
Balance Sheet
(USD, in thousands)

Income Statement
(USD, in thousands, ytd)
Total Assets308,468
Total Interest Income4,939
Total Liabilities280,649
Total NonInterest Income4,852
Total Bank Equity Capital27,819
Total Interest Expense1,850
Total Deposits272,732
Total NonInterest Expense7,077
Net Loans & Leases268,143
Net Income581
Loan Loss Allowance1,810
Net Charge Offs7



Regulatory Capital
Quarterly Averages
(USD, in thousands)
Total capital27,493
Total loans271,020
Total assets for the leverage ratio306,532
Loans secured by real estate:206,214
Tier 1 Leverage Ratio8.37
Commercial and industrial loans41,346
Tier 1 Capital Ratio9.89
Loans to individuals - Credit Cards0
Total Capital Ratio10.6
Loans to individuals - Other3,709





 

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Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury