BlastPoint's Banking Scorecard
Cornerstone Bank
Designations: ✓ Community bank
Fargo, ND
12 branches across ND · SD
Cornerstone Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 4.68% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 10.0% in tier
- - Margin Compression: Bottom 14.3% in tier
- - Deposit Outflow: Bottom 29.2% in tier
- - Delinquency Rate 0.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
-2.4% YoY
-2.0% QoQ
|
-$1.1B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
44% |
| Total Loans ? |
$1.3B
+3.2% YoY
+1.9% QoQ
|
-$698.5M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$1.5B
-5.0% YoY
-3.0% QoQ
|
-$804.7M |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
1.27%
-16.3% YoY
-6.1% QoQ
|
-0.10% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
4.07%
+14.7% YoY
+4.4% QoQ
|
+0.25% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
56.38%
-7.8% YoY
+1.0% QoQ
|
-4.68% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
1.53%
+282.8% YoY
+44.1% QoQ
|
+0.64% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
82.31%
+8.6% YoY
+5.0% QoQ
|
-1.90% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
14.10%
+5.4% YoY
-3.6% QoQ
|
-7.19% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.11%
+304.5% YoY
+49.7% QoQ
|
+0.43% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.46%
+11.9% YoY
+1.2% QoQ
|
-3.70% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.07%
+5.9% YoY
-75.8% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.