BlastPoint's Banking Scorecard
Granite Bank
Micro
Specialty: Commercial
MN
FDIC cert 5116
Designations: ✓ Community bank
Cold Spring, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Granite Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 9.46% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 22.20% above tier
- - Loan-to-Deposit Ratio 31.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$350.7M
+14.4% YoY
+2.8% QoQ
|
+$133.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$308.7M
+16.3% YoY
+4.1% QoQ
|
+$169.5M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$291.8M
+14.4% YoY
-1.4% QoQ
|
+$108.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.94%
+19.4% YoY
-7.4% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.37%
+10.7% YoY
+0.4% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
89.93%
+7.2% YoY
+1.3% QoQ
|
+22.20% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.71%
+72.2% YoY
+35.1% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
105.79%
+1.7% YoY
+5.5% QoQ
|
+31.27% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.70%
-20.2% YoY
+0.6% QoQ
|
+1.30% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.78%
+32.6% YoY
+26.3% QoQ
|
+0.33% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
9.85%
-2.0% YoY
-4.1% QoQ
|
+1.00% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
10.02%
+143.5% YoY
+39.9% QoQ
|
+9.46% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
10.02%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.93%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.79%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 10.02% · Tier avg: 0.56%
94
94th pctile
Total Loans
Current: $308.7M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $350.7M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $291.8M · Tier avg: $183.7M
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.70% · Tier avg: 22.39%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.85% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
9
9th pctile
Efficiency Ratio
Current: 89.93% · Tier avg: 67.73%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.79% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.79% · Tier avg: 74.53%
9
9th pctile
Efficiency Ratio
Current: 89.93% · Tier avg: 67.73%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.85% · Tier avg: 8.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.70% · Tier avg: 22.39%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
80
80th pctile
Total Deposits
Current: $291.8M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $350.7M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $308.7M · Tier avg: $139.2M
100
100th pctile
Non-Interest Income / Assets
Current: 10.02% · Tier avg: 0.56%