Total Assets
$247.0M
Total Deposits
$223.9M
Branches
7
Established
1974
Cornerstone State Bank is a bank headquartered in Montgomery, Minnesota, established in 1974. It holds $247.0M in total assets across 7 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Cornerstone State Bank earns a TFS Financial Health Grade of B (79.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
79.9 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Cornerstone State BankHQ | 401 4th St Nw | Montgomery | MN | 11 |
| Cornerstone State Bank | 406 E Poplar St | Belle Plaine | MN | 11 |
| Cornerstone State Bank | 1516 Cloquet Ave | Cloquet | MN | 11 |
| Cornerstone State Bank | 600 Parkway Ave | Eagle Lake | MN | 11 |
| Cornerstone State Bank | 451 3rd St | Green Isle | MN | 11 |
| Cornerstone State Bank | 415 N Main St | Le Sueur | MN | 11 |
| Cornerstone State Bank | 500 Main St | Madison Lake | MN | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
79.9
Tier 1 capital ratio
10.60%
Return on assets
1.49%
Non-performing loans
0.80%
Efficiency ratio
61.04%
Asset growth (YoY)
4.91%
Suggested direct comparisons
Saint Louis Park, MN
$5.4B
$242.6M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.