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 Granite Bank
Granite Bank
| RSSD ID 311256 | CERTIFICATE 5116 | ABA NUMBER 91904827 |
| 202 2nd Ave S |
Quarter Ended : |
2025-12-31 |
| Cold Spring, Minnesota, 56320 |
Updated : |
2026-01-30 |
| www.granitebank.com |
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| 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 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
2 |
Number of Employees : |
244 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 350,736 |
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Total Interest Income | 21,209 |
| Total Liabilities | 320,771 |
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Total NonInterest Income | 35,153 |
| Total Bank Equity Capital | 29,965 |
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Total Interest Expense | 7,862 |
| Total Deposits | 291,791 |
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Total NonInterest Expense | 44,001 |
| Net Loans & Leases | 303,396 |
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Net Income | 3,066 |
| Loan Loss Allowance | 1,881 |
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Net Charge Offs | 116 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 29,688 |
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Total loans | 301,589 |
| Total assets for the leverage ratio | 338,620 |
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Loans secured by real estate: | 225,796 |
| Tier 1 Leverage Ratio | 8.2 |
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Commercial and industrial loans | 40,699 |
| Tier 1 Capital Ratio | 9.85 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 10.53 |
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Loans to individuals - Other | 4,531 |
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:· Granite Bank
