BlastPoint's Banking Scorecard
Cornerstone State Bank
Montgomery, MN
7 branches across MN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +4.6% year over year ($223.9M on the books).
- Delinquency rate 0.81%.
- Return on assets 1.49%.
- Efficiency ratio 61.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cornerstone State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Efficiency Ratio 3.44% below tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26.8% in tier
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.0M
+4.9% YoY
+1.6% QoQ
|
-$139.6M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$150.3M
+3.3% YoY
-2.7% QoQ
|
-$108.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$223.9M
+4.6% YoY
+1.1% QoQ
|
-$102.8M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.49%
+210.7% YoY
+13.0% QoQ
|
+0.17% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.70%
+25.5% YoY
+8.0% QoQ
|
-0.28% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
61.04%
-18.9% YoY
-0.7% QoQ
|
-3.44% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.81%
+81.8% YoY
+66.5% QoQ
|
-0.11% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
67.12%
-1.3% YoY
-3.7% QoQ
|
-10.83% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
13.72%
+8.2% YoY
+0.3% QoQ
|
-8.31% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.49%
+78.9% YoY
+59.5% QoQ
|
-0.17% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
10.60%
+5.3% YoY
+2.5% QoQ
|
-5.31% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.25%
-6.0% YoY
+116.1% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.7%
+1.0pp YoY 0.0pp QoQ |
-8.4pp | 22.1% | 21.9% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.3%
0.0pp YoY +0.7pp QoQ |
-6.3pp | 11.6% | 14.6% | 12.5% | 21% |
| CRE |
30.1%
+0.1pp YoY +1.3pp QoQ |
-9.4pp | 39.5% | 36.5% | 41.4% | 35% |
| 1-4 Family |
53.8%
+3.1pp YoY +1.5pp QoQ |
+21.2pp | 32.6% | 29.4% | 31.3% | 86% |
| Consumer |
7.4%
-0.7pp YoY 0.0pp QoQ |
+3.2pp | 4.1% | 4.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
10.6%
+0.5pp YoY +0.3pp QoQ |
-1.6pp | 12.2% | 11.0% | 12.6% | 43% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
40
-1 (-2.4%) YoY +1 (+2.6%) QoQ |
-19 | 58 | 55 | 482 | 41% |
| Assets per Employee ($) |
$6.2M
+7.5% YoY -0.9% QoQ |
-$1.3M | $7.5M | $8.6M | $8.8M | 37% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 4 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
+0.4pp YoY +0.4pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 67% |
| Allowance Coverage |
1.74x
-16.6% YoY -9.9% QoQ |
-22.41x | 24.15x | 20.41x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
-0.8%
-1.6pp YoY -0.8pp QoQ |
-1.0pp | 0.1% | 0.2% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.9%
+11.5pp YoY +1.9pp QoQ |
+6.7pp | 12.2% | 13.1% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 41% |
| Net Income ($, YTD) |
$1.8M
+222.2% YoY — QoQ |
-$738K | $2.6M | $4.5M | $40.4M | 49% |
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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 (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.