TellerScore

Cornerstone State Bank (FDIC certificate #21525) is based in Montgomery, Minnesota. Its Q2 2026 call report shows $247.0M in total assets and $223.9M in deposits and 7 offices.

Cornerstone State Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 70th. Funding & liquidity contributes the most (93/100, 67% loans-to-deposits, 11% uninsured); capital cushion contributes the least (56/100, 10.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.60%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings80/100
Return on assets (annualized): 1.49%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 67.1% · 11.3% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.53%

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 rose 7 points (67 → 74), mostly because the earnings component improved by 41 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202464
Q1 202563
Q2 202567
Q3 202570
Q4 202570
Q1 202674
Q2 202674
Tier 1 leverage ratio
5.00%7.80%10.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.98%
Q3 20249.99%
Q4 202410.09%
Q1 20259.97%
Q2 202510.07%
Q3 202510.28%
Q4 202510.32%
Q1 202610.34%
Q2 202610.60%
Noncurrent loans
0.08%0.52%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.12%
Q4 20240.88%
Q1 20250.96%
Q2 20250.44%
Q3 20250.44%
Q4 20250.48%
Q1 20260.48%
Q2 20260.80%
Return on assets
0.24%0.86%1.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.35%
Q4 20240.55%
Q1 20250.61%
Q2 20250.48%
Q3 20250.72%
Q4 20250.83%
Q1 20261.32%
Q2 20261.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$247.0M10.60%0.80%1.49%67.1%
Q1 202674$243.1M10.34%0.48%1.32%69.7%
Q4 202570$242.0M10.32%0.48%0.83%69.8%
Q3 202570$233.3M10.28%0.44%0.72%68.2%
Q2 202567$235.4M10.07%0.44%0.48%68.0%
Q1 202563$233.5M9.97%0.96%0.61%69.7%
Q4 202464$236.9M10.09%0.88%0.55%68.6%
Q3 202470$232.0M9.99%0.12%0.35%67.3%
Q2 202469$226.5M9.98%0.08%0.24%68.2%

2,650 peers · $100 million – $1 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).

Capital ratio10.60%
43rd
Total risk-based capital0.00%
24th
Problem loans0.80%
33rd
Net charge-offs-0.84%
100th
Return on assets1.49%
65th
Net interest margin3.70%
37th
Efficiency ratio61.0%
54th
Loans to deposits67.1%
74th
Uninsured deposits11.3%
91st
Loan-loss reserves1.40%
72nd
Texas ratio5.5%
33rd

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Drake BankBank Saint Paul, MN18 out of 100, Low$247.4M7.3%4.49%vs
First Farmers & Merchants National BankBank Luverne, MN70 out of 100, Strong$242.6M11.6%0.85%vs
Center National BankBank Litchfield, MN80 out of 100, Strong$242.6M11.1%0.00%vs
Arcadian BankBank Hartland, MN85 out of 100, Very strong$242.1M12.0%0.10%vs
Union Bank and Trust CompanyBank Minneapolis, MN38 out of 100, Low$253.4M10.0%3.13%vs
VisionBankBank Saint Louis Park, MN57 out of 100, Moderate$253.9M10.0%1.81%vs

Deposit insurance

Is my money safe at Cornerstone State Bank?

Yes. Cornerstone State Bank is an FDIC-insured institution (FDIC certificate #21525). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.3% of deposits ($25.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Cornerstone State Bank lists 7 offices in 7 cities. Most locations:

  • Belle Plaine, MN (1)
  • Cloquet, MN (1)
  • Eagle Lake, MN (1)
  • Green Isle, MN (1)
  • Le Sueur, MN (1)
  • Madison Lake, MN (1)
  • Montgomery, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone State Bank reported 73 home-loan applications under HMDA (LEI 5493001DKNDZW3UIWI38): 63 originated ($18,095,000 total), 4 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, 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 State Bank
Former names
Le Sueur State Bank
Type
State-chartered bank
FDIC certificate #
21525
RSSD ID
914853
Primary regulator
FDIC
Holding company
Cornerstone Bcorp Inc
Established
April 8, 1974
Headquarters
401 4th St Nw, Montgomery, MN 56069
Employees
40

Quick answers

Cornerstone State Bank: common questions

Is Cornerstone State Bank FDIC insured?

Yes. Cornerstone State Bank is an FDIC-insured institution (FDIC certificate #21525). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cornerstone State Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cornerstone State Bank ever failed?

There is no failure record for FDIC certificate #21525 in the FDIC failed bank list.

How many branches does Cornerstone State Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Montgomery

InstitutionScoreAssetsCapitalProblem loansCompare
Genisys Credit UnionCredit union Auburn Hills, MI81 out of 100, Strong$6.6B15.5%1.09%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
First Farmers & Merchants BankBank Cannon Falls, MN77 out of 100, Strong$486.4M10.1%0.01%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First State Bank of Le CenterBank Le Center, MN76 out of 100, Strong$110.4M11.1%0.81%vs
New Market BankBank Elko New Market, MN74 out of 100, Strong$196.0M9.1%0.00%vs