Side-by-side · Q2 2026 data
Granite Bank vs St. Martin National Bank
Metric by metric
| Measure | Granite Bank | St. Martin National Bank |
|---|---|---|
| TellerScore | 53 | 100 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 74 | 100 (stronger) |
| Peer percentile | 9th | 100th |
| Total assets | $353.2M | $29.4M |
| Deposits / shares | $289.3M | $25.0M |
| Capital ratio | 8.53% | 15.51% (stronger) |
| Problem loans | 1.38% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.37% | 2.42% (stronger) |
| Loans ÷ deposits | 107.7% | 52.6% (stronger) |
| Uninsured deposits | 21.1% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
St. Martin National Bank has the higher TellerScore (100 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Granite Bank leads on 0 and St. Martin National Bank on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.