Side-by-side · Q2 2026 data
Cornerstone Bank vs Dakota Community Bank & Trust, National Association
Bank
Dakota Community Bank & Trust, National Association
Hebron, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Cornerstone Bank | Dakota Community Bank & Trust, National Association |
|---|---|---|
| TellerScore | 47 | 76 (stronger) |
| Capital cushion | 46 (stronger) | 41 |
| Loan quality | 22 | 97 (stronger) |
| Earnings | 70 | 93 (stronger) |
| Funding & liquidity | 48 | 73 (stronger) |
| Problem-loan coverage | 62 | 99 (stronger) |
| Peer percentile | 5th | 80th |
| Total assets | $1.9B | $1.4B |
| Deposits / shares | $1.6B | $1.2B |
| Capital ratio | 9.63% (stronger) | 9.07% |
| Problem loans | 2.35% | 0.08% (stronger) |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.25% | 1.83% (stronger) |
| Loans ÷ deposits | 81.7% | 67.0% (stronger) |
| Uninsured deposits | 43.1% | 32.9% (stronger) |
| Offices | 12 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.0% | 5.1% |
Dakota Community Bank & Trust, National Association has the higher TellerScore (76 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Cornerstone Bank leads on 1 and Dakota Community Bank & Trust, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.