At a rate of 5% interest, this will take about 17 weeks to pay itself off (less than the full 20 weeks, thanks to compound interest). Not only does it cost 15,000 gold to build, but it also requires an 'investment' of gold you purposefully don't spend, in order to actually make anything. The Bank, on the other hand, takes longer to turn things around. At a cost of 2500 gold, the Granary turns a profit in just 5 weeks. Since you pretty much always bring food into a dungeon, this is always going to be used, unless you roll a lot of food and you're going on a Short mission. In terms of money generation, the Granary generates about 525 gold per week in terms of free food. But I'm wondering if it's really all that worth getting early on, and not grabbing the Granary instead.
So, I know the Bank is really good in the long term, allowing you to make absolute oodles of money.
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