FIRST BANCSHARES COLD SPRING is the bank holding company. GRANITE COMMUNITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FIRST BANCSHARES COLD SPRING

Legal name: FIRST BANCSHARES, INC., OF COLD SPRING

1 active bank · $347M combined assets

RSSD ID: 1247969 (FFIEC NIC)

Combined Assets

$347M

CRA Rating Summary

Satisfactory1charter

Across all 2 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankGRANITE COMMUNITY BANKCOLD SPRING, MNSatisfactory$347MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$347M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$297M

Net Income

$1M

ROA (avg)

1.17%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2019Lender rankings →

Aggregated HMDA data across all active charters for 2019.

Applications

Origination Rate

91.18%

Denial Rate

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
GRANITE COMMUNITY BANK	COLD SPRING, MN	FDIC	$347M	100.0%	Satisfactory	Aug 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.