Cornerstone Bank is a state-chartered bank headquartered in Fargo, North Dakota, in business for about 119 years. At the end of Q2 2026 it reported $1.9B in total assets and $1.6B in deposits, with 13 offices across 2 states.
Based on its Q2 2026 filing, Cornerstone Bank scores 47/100, which we describe as below average. That is higher than only 5% of 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 59th. Its strongest component is earnings (70/100; 1.25%), and its lowest is loan quality (22/100; 2.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (59 → 47), mostly because the loan quality component weakened by 51 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 64 |
| Q2 2025 | 59 |
| Q3 2025 | 61 |
| Q4 2025 | 58 |
| Q1 2026 | 54 |
| Q2 2026 | 47 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.27% |
| Q3 2024 | 8.33% |
| Q4 2024 | 8.10% |
| Q1 2025 | 8.16% |
| Q2 2025 | 8.42% |
| Q3 2025 | 8.88% |
| Q4 2025 | 9.01% |
| Q1 2026 | 9.59% |
| Q2 2026 | 9.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.16% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.69% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.51% |
| Q2 2026 | 2.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 1.44% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.51% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.34% |
| Q4 2025 | 1.35% |
| Q1 2026 | 1.27% |
| Q2 2026 | 1.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $1.9B | 9.63% | 2.35% | 1.25% | 81.7% |
| Q1 2026 | 54 | $1.8B | 9.59% | 1.51% | 1.27% | 82.3% |
| Q4 2025 | 58 | $1.8B | 9.01% | 1.05% | 1.35% | 78.4% |
| Q3 2025 | 61 | $1.8B | 8.88% | 0.69% | 1.34% | 80.8% |
| Q2 2025 | 59 | $1.8B | 8.42% | 0.81% | 1.35% | 79.5% |
| Q1 2025 | 64 | $1.8B | 8.16% | 0.39% | 1.51% | 75.8% |
| Q4 2024 | 65 | $1.7B | 8.10% | 0.16% | 1.32% | 76.0% |
| Q3 2024 | 65 | $1.6B | 8.33% | 0.24% | 1.44% | 80.6% |
| Q2 2024 | 67 | $1.6B | 8.27% | 0.28% | 1.79% | 82.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Starion BankBank Bismarck, ND | 56 out of 100, Moderate | $2.1B | 9.4% | 1.45% | vs |
| Dakota Community Bank & Trust, National AssociationBank Hebron, ND | 76 out of 100, Strong | $1.4B | 9.1% | 0.08% | vs |
| First Western Bank & TrustBank Minot, ND | 55 out of 100, Moderate | $2.4B | 9.6% | 1.42% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| Bank ForwardBank Fargo, ND | 70 out of 100, Strong | $1.1B | 10.2% | 0.67% | vs |
| Border BankBank Fargo, ND | 57 out of 100, Moderate | $1.1B | 9.1% | 1.07% | vs |
Deposit insurance
Is my money safe at Cornerstone Bank?
Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #13198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 43.1% of deposits ($710.7M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.63%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.44% (benchmark: 10%).
13 locations
Branches
Cornerstone Bank lists 12 offices in 12 cities across 2 states. Most locations:
- Aberdeen, SD (1)
- Bismarck, ND (1)
- Dickinson, ND (1)
- Fargo, ND (1)
- Minot, ND (1)
- New Town, ND (1)
- Parshall, ND (1)
- Plaza, ND (1)
- Rugby, ND (1)
- Sioux Falls, SD (1)
- Watertown, SD (1)
- Watford City, ND (1)
HMDA 2025
Mortgage lending
In 2025, Cornerstone Bank reported 165 home-loan applications under HMDA (LEI 5493003LIT6MPMIF5W07): 143 originated ($42,745,000 total), 3 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Cornerstone Bank
- Former names
- Citizens State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13198
- RSSD ID
- 879457
- Primary regulator
- FDIC
- Holding company
- Cornerstone Holding Co Inc
- Established
- July 15, 1907
- Headquarters
- 2280 45th St S, Fargo, ND 58104
- Website
- www.cornerstone.bank
- Employees
- 237
Quick answers
Cornerstone Bank: common questions
Is Cornerstone Bank FDIC insured?
Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #13198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cornerstone Bank's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cornerstone Bank ever failed?
There is no failure record for FDIC certificate #13198 in the FDIC failed bank list.
How many branches does Cornerstone Bank have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fargo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fargo VA Federal Credit UnionCredit union Fargo, ND | 84 out of 100, Strong | $14.1M | 12.6% | 0.00% | vs |
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Fargo Public Schools Federal Credit UnionCredit union Fargo, ND | 80 out of 100, Strong | $58.2M | 12.2% | 0.01% | vs |
| F.F.E. Federal Credit UnionCredit union Fargo, ND | 79 out of 100, Strong | $3.8M | 13.5% | 0.00% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |