GRANITE BANK
COLD SPRING, MINNESOTA · FDIC Cert #5116
Capital & Safety Analysis
According to FDIC financial data, GRANITE BANK holds a Tier 1 capital ratio of 10.18%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning GRANITE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
GRANITE BANK shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
GRANITE BANK has a Bank Health Score of C (52/100). It holds a Tier 1 capital ratio of 10.18%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
GRANITE BANK holds $293M in total assets and $252M in total deposits. It is located in COLD SPRING, MINNESOTA (FDIC Certificate #5116).
GRANITE BANK has a Tier 1 capital ratio of 10.18%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.23%, and the return on assets is 0.39%.
Yes. GRANITE BANK is FDIC-insured (Certificate #5116). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.