This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.99%

Is this bank safe?

GRANITE BANK holds a Satisfactory CRA rating (2002), meets basic financial requirements (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%

Above avg for Community banks. Peer avg: 0.90%

ROE

4.26%

Risk-Based Capital

12.19%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA0.99%Peer avg: 0.90%▲ Above avg

Risk-Based Capital12.19%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate6.03%Peer avg: 10.20%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,393	75.66%	6.03%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Nov 2002	Satisfactory	Large Bank
Jul 2000	Satisfactory	Large Bank
Apr 1998	Satisfactory	Large Bank

2 previous ratings locked — 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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