BlastPoint's Banking Scorecard
Granite Bank
Cold Spring, MN
2 branches across MN
Granite Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12.6% in tier
- + Net Interest Margin 0.72% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.04% above tier average
- - Loan-to-Deposit Ratio 26.43% above tier average
- - ROA 0.10% below tier average
- - Delinquency Rate 0.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$346.9M
+12.5% YoY
-1.1% QoQ
|
-$39.2M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$306.5M
+13.8% YoY
-0.7% QoQ
|
+$50.8M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$297.4M
+9.1% YoY
+1.9% QoQ
|
-$30.6M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.17%
+55.1% YoY
+25.0% QoQ
|
-0.10% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.65%
+8.3% YoY
+6.4% QoQ
|
+0.72% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 14.2% in tier |
| Efficiency Ratio ? |
88.33%
+0.5% YoY
-1.8% QoQ
|
+23.04% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate ? |
1.45%
+193.1% YoY
+104.9% QoQ
|
+0.57% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
103.06%
+4.3% YoY
-2.6% QoQ
|
+26.43% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.44%
-7.2% YoY
+3.1% QoQ
|
+2.42% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
1.29%
+92.9% YoY
+63.8% QoQ
|
+0.65% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.3% in tier |
| Tier 1 Capital Ratio ? |
9.81%
-0.8% YoY
-0.4% QoQ
|
-6.02% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.3% in tier |
| Non-Interest Income / Assets ? |
3.15%
+100.2% YoY
-68.6% QoQ
|
+2.87% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Top 0.6% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.