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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 4,306th largest bank in the nation. It was established in 1902 and as of September of 2016, it had grown to 27 employees at 1 location. Granite Community Bank has a B health rating.

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Health
B

Health Grade Components

Overall
FDIC Certificate #5116
Year Established1902
Employees27
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD14%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$105.2MM$105.3MM
LoansQ3 2016vs Q3 2015$87.1MM$78.8MM
DepositsQ3 2016vs Q3 2015$95.1MM$94.8MM
Equity CapitalQ3 2016vs Q3 2015$8.9MM$8.2MM
Loan Loss AllowanceQ3 2016vs Q3 2015$1.1MM$1.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$988.00K$628.00K
Real Estate OwnedQ3 2016vs Q3 2015$563.00K$179.00K
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
0.35%--Roth IRA Passbook
0.35%--SEP IRA Passbook
0.35%--SIMPLE IRA Passbook
0.35%--HSA 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