Advertisement
Cornerstone Bank
Fargo, ND · FDIC Certificate #13198 · Chartered 07/1
Total assets
$1.85B
Total deposits
$1.65B
Total equity
$151.24M
Net loans
$1.35B
Branches (offices)
13
Net income (YTD)
$11.20M
Rank: #638 of 4,213 U.S. banks by assets · #10 of 60 in North Dakota. Assets changed 5.6% and deposits 4.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.25% |
| Return on equity | 15.40% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 8.16% |
| Tier 1 leverage ratio | 9.63% |
| Uninsured deposits (share of deposits) | 43.1% |
| Noncurrent loans (share of loans) | 2.35% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 81.7% |
| Real estate loans (share of loans) | 64.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $865.82M | 64.3% | |
| Commercial & industrial | $230.58M | 17.1% | |
| Consumer / individual | $36.52M | 2.7% | |
| Construction & development | $82.63M | 6.1% | |
| Agricultural | $204.27M | 15.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.24B | $1.16B | $6.82M | $70.21M |
| Jun 2023 | $1.38B | $1.23B | $7.80M | $76.73M |
| Jun 2024 | $1.56B | $1.38B | $13.70M | $97.25M |
| Jun 2025 | $1.76B | $1.58B | $11.91M | $124.41M |
| Jun 2026 | $1.85B | $1.65B | $11.20M | $151.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $1.61B | 10 |
| South Dakota | $41.47M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.65B.
Similar-sized banks
Independent Bank ($1.85B) · First State Bank ($1.85B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement