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Cornerstone State Bank
Montgomery, MN · FDIC Certificate #21525 · Chartered 04/0
Total assets
$246.96M
Total deposits
$223.95M
Total equity
$19.95M
Net loans
$150.31M
Branches (offices)
7
Net income (YTD)
$1.82M
Rank: #2,732 of 4,213 U.S. banks by assets · #100 of 221 in Minnesota. Assets changed 4.9% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 18.94% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 8.08% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 11.3% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | -0.84% |
| Loans to deposits | 67.1% |
| Real estate loans (share of loans) | 86.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $129.95M | 86.5% | |
| Commercial & industrial | $7.93M | 5.3% | |
| Consumer / individual | $11.06M | 7.4% | |
| Construction & development | $9.30M | 6.2% | |
| Agricultural | $963.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $224.98M | $211.55M | $1.05M | $12.28M |
| Jun 2023 | $222.52M | $203.10M | $1.04M | $11.56M |
| Jun 2024 | $226.46M | $205.20M | $268.00K | $13.07M |
| Jun 2025 | $235.41M | $214.00M | $564.00K | $16.28M |
| Jun 2026 | $246.96M | $223.95M | $1.82M | $19.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $223.95M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $223.95M.
Similar-sized banks
Union Bank ($247.00M) · Bridge City State Bank ($246.78M)
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.
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