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Cornerstone Bank

$1B-$10B Specialty: Agricultural ND FDIC cert 13198

Designations: ✓ Community bank

Fargo, ND

13 branches across ND · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +4.7% year over year ($1.6B on the books).
  • Delinquency rate 2.38%.
  • Return on assets 1.25%.
  • Efficiency ratio 57.09% vs a 59.73% peer average.
  • Loan-to-deposit ratio 81.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Cornerstone Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.22% above tier average
  • + Efficiency Ratio 2.64% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 40.0% in tier
  • - Capital Thin: Bottom 48.6% in tier
  • - Delinquency Rate 1.51% above tier average
  • - Nonperforming Asset Ratio 1.06% above tier average
Get updates when Cornerstone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $1.9B
+5.6% YoY +5.9% QoQ
-$940.0M $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $1.3B
+7.6% YoY +6.3% QoQ
-$616.9M $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
49%
Total Deposits ? $1.6B
+4.7% YoY +7.2% QoQ
-$670.2M $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.25%
-7.7% YoY -1.6% QoQ
-0.14% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 4.09%
+10.4% YoY +0.5% QoQ
+0.22% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 57.09%
-1.2% YoY +1.3% QoQ
-2.64% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 2.38%
+191.8% YoY +55.7% QoQ
+1.51% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
Bottom 6.7% in tier
Loan-to-Deposit Ratio ? 81.66%
+2.8% YoY -0.8% QoQ
-3.37% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
64%
Non-Interest-Bearing Deposit Share ? 13.89%
+3.9% YoY -1.5% QoQ
-7.38% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
23%
Nonperforming Asset Ratio ? 1.73%
+197.3% YoY +56.4% QoQ
+1.06% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
Bottom 7.9% in tier
Tier 1 Capital Ratio ? 11.28%
+8.3% YoY -1.6% QoQ
-3.57% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.15%
+9.7% YoY +111.6% QoQ
-0.37% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 13.9%
+0.5pp YoY
-0.2pp QoQ
 -7.5pp 21.4% 21.6% 22.2% 23%
Brokered Deposits 2.9%
+0.8pp YoY
+2.7pp QoQ
 -6.5pp 9.5% 6.0% 8.5% 35%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 17.1%
+1.5pp YoY
+1.2pp QoQ
 +3.1pp 14.0% 12.9% 12.5% 73%
CRE 42.4%
-0.1pp YoY
-1.0pp QoQ
 -7.6pp 50.0% 29.0% 41.4% 30%
1-4 Family 11.3%
-1.0pp YoY
-0.7pp QoQ
 -15.1pp 26.4% 12.3% 31.3% 20%
Consumer 2.7%
-0.4pp YoY
-0.4pp QoQ
 -2.0pp 4.7% 4.5% 5.0% 72%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.9pp YoY
-0.2pp QoQ
 -4.3pp 15.6% 15.3% 19.7% 14%
Leverage Ratio 9.6%
+1.2pp YoY
0.0pp QoQ
 -1.7pp 11.3% 10.7% 12.6% 25%
Total Capital Ratio 12.4%
+0.9pp YoY
-0.3pp QoQ
 -4.3pp 16.7% 16.3% 20.8% 15%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 237
+22 (+10.2%) YoY
+16 (+7.2%) QoQ
 -77 313 138 482 50%
Assets per Employee ($) $7.8M
-4.2% YoY
-1.3% QoQ
 -$2.7M $10.5M $8.3M $8.8M 37%
Branch Count 13
+2 (+18.2%) YoY
+2 (+18.2%) QoQ
 -7 20 7 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.2% 0.5% 0.4% 84%
Nonaccrual 2.2%
+1.5pp YoY
+0.7pp QoQ
 +1.4pp 0.8% 0.7% 1.0% 94%
Allowance Coverage 0.56x
-66.0% YoY
-40.1% QoQ
 -18.15x 18.71x 73.79x 20.23x 8%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 15.4%
-5.1pp YoY
-0.3pp QoQ
 +2.8pp 12.6% 16.0% 11.6% 76%
Cost of Funds (YTD) 1.7%
-0.5pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.7% 1.7% 39%
Net Income ($, YTD) $11.2M
-6.0% YoY
— QoQ
 -$8.0M $19.2M $7.0M $40.4M 44%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#35 of 85 • Bottom 40.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.25%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Capital Thin

risk
#109 of 222 • Bottom 48.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.28%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

824
Delinquency Rate
credit_quality
Value: 2.38%
Peer Median: 0.87%
#824 of 882 Bottom 6.7% in $1B-$10B
816
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.67%
#816 of 885 Bottom 7.9% in $1B-$10B
712
Non-Interest Income / Assets
revenue_mix
Value: 0.15%
Peer Median: 0.53%
#712 of 885 Bottom 19.7% in $1B-$10B
689
Tier 1 Capital Ratio
capital
Value: 11.28%
Peer Median: 14.84%
#689 of 885 Bottom 22.3% in $1B-$10B
679
Non-Interest-Bearing Deposit Share
funding
Value: 13.89%
Peer Median: 21.27%
#679 of 885 Bottom 23.4% in $1B-$10B
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