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Cornerstone State Bank

$100M-$1B Specialty: Mortgage MN FDIC cert 21525

Montgomery, MN

7 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Cornerstone State Bank has 2 strengths but faces 2 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

  • + Efficiency Ratio 3.82% below tier average
  • + Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 39.6% in tier
  • - Net Interest Margin 0.50% below tier average
Get updates when Cornerstone State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $243.1M
+4.1% YoY +0.5% QoQ
-$143.0M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $154.5M
+3.8% YoY +1.2% QoQ
-$101.3M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
37%
Total Deposits ? $221.5M
+3.7% YoY +1.2% QoQ
-$106.5M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
39%
Return on Assets ? 1.32%
+116.5% YoY +59.1% QoQ
+0.05% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
57%
Net Interest Margin ? 3.43%
+19.6% YoY +12.3% QoQ
-0.50% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
27%
Efficiency Ratio ? 61.47%
-20.2% YoY -13.0% QoQ
-3.82% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
55%
Delinquency Rate ? 0.49%
-49.6% YoY -0.1% QoQ
-0.40% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
46%
Loan-to-Deposit Ratio ? 69.73%
+0.0% YoY -0.1% QoQ
-6.90% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
67%
Non-Interest-Bearing Deposit Share ? 13.68%
+1.7% YoY -2.1% QoQ
-8.34% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
19%
Nonperforming Asset Ratio ? 0.31%
-49.8% YoY +0.6% QoQ
-0.33% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 10.34%
+3.8% YoY +0.3% QoQ
-5.49% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
Bottom 14.3% in tier
Non-Interest Income / Assets ? 0.12%
-3.2% YoY -78.5% QoQ
-0.16% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
61%

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 (1)

Capital Thin

risk
#265 of 666 • Bottom 39.6% 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: 10.34%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2283
Tier 1 Capital Ratio
capital
Value: 10.34%
Peer Median: 15.83%
#2283 of 2664 Bottom 14.3% in $100M-$1B
2146
Non-Interest-Bearing Deposit Share
funding
Value: 13.68%
Peer Median: 22.02%
#2146 of 2664 Bottom 19.5% in $100M-$1B
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