🏦Bank Scorer

This institution is no longer active

Operations ceased on May 28, 2004. CRA examination history below reflects the period it was active.

GRANITE BANK

KEENE, NH · Supervised by FDIC

Est. 1895FDIC #17,992RSSD: FDIC-17992
Part ofCHITTENDEN CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Institution Profile

FDIC BankFind

Address

122 West Street, KEENE, NH

County

Cheshire County

Established

March 28, 1895

Total Assets

$1.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2002

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2004Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$714M

Net Loans

$501M

Net Income

$3M

ROA

0.99%

ROE

4.26%

Risk-Based Capital

12.19%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate6.03%Peer avg: 9.91%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,39375.66%6.03%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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