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Overview / Commentary
320-685-8611
202 2nd Ave South
Cold Spring, MN 56320

Granite Community Bank is headquartered in Cold Spring and is the 157th largest bank in the state of Minnesota. It is also the 4,179th largest bank in the nation. It was established in 1902 and as of June of 2017, it had grown to 25 employees at 1 location. Granite Community Bank has a B health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #5116
Year Established1902
Employees25
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD14.15%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$107.6MM$104.5MM
LoansQ2 2017vs Q2 2016$86.7MM$81.8MM
DepositsQ2 2017vs Q2 2016$97.6MM$94.7MM
Equity CapitalQ2 2017vs Q2 2016$9.5MM$8.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$808.00K$1.1MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.6MM$508.00K
Real Estate OwnedQ2 2017vs Q2 2016$578.00K$728.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Granite Community Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$25-HSA
0.50%$25-Xtreme Teen Savings
0.50%$25-Penny Saver
0.35%--IRA Passbook
0.12%$200-Passbook Savings
0.12%$200-Business Passbook Savings
0.10%$25-Thrift Savings
0.10%$25-Business Thrift Savings

Granite Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.38%*$500k*-Money Manager
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k | 0.26% $50k - $100k | 0.30% $100k - $250k | 0.35% $250k - $500k
0.38%*$500k*-Business Money Manager
OTHER TIERS: 0.15% $2,500 - $10k | 0.20% $10k - $50k | 0.26% $50k - $100k | 0.30% $100k - $250k | 0.35% $250k - $500k

Granite Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.05%*$10k*-36 Month CD
OTHER TIERS: 0.75% $1,500 - $5k | 0.85% $5k - $10k
0.75%*$10k*-24 Month CD
OTHER TIERS: 0.60% $1,500 - $5k | 0.70% $5k - $10k
0.45%*$10k*-18 Month CD
OTHER TIERS: 0.35% $1,500 - $5k | 0.40% $5k - $10k
0.40%*$10k*-12 Month CD
OTHER TIERS: 0.30% $1,500 - $5k | 0.35% $5k - $10k
0.40%$250-Xtreme Teen CD
0.35%*$10k*-6 Month CD
OTHER TIERS: 0.25% $1,500 - $5k | 0.30% $5k - $10k
0.25%*$10k*-3 Month CD
OTHER TIERS: 0.20% $1,500 - $10k

Granite Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%$500-36 Month IRA
0.50%$500-12 Month IRA
0.45%$500-6 Month IRA
Locations


Granite Community Bank Locations
The First National Bank Of Cold Spring202 2nd Avenue SouthCold Spring, MN 56320