What is Cornerstone Bank's financial health grade?

Cornerstone Bank has a TFS Financial Health Grade of C (score: 73.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cornerstone Bank have?

Cornerstone Bank has 12 branch locations across the United States.

Is Cornerstone Bank FDIC insured?

Yes, Cornerstone Bank is FDIC insured (Certificate #13198).

What are the total assets of Cornerstone Bank?

Cornerstone Bank has total assets of $1.8B as reported in its most recent FDIC filing.

Cornerstone Bank

BankFargo, North Dakota

www.cornerstone.bank

Total Assets

$1.8B

Total Deposits

$1.6B

Branches

Established

1907

TFS Health Grade

73.0 / 100

Average financial health

How we grade

Cornerstone Bank is a bank headquartered in Fargo, North Dakota, established in 1907. With $1.8B in total assets and 12 branch locations, it has a TFS Financial Health Grade of C (73.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.01%(8%)

Total Capital Ratio

12.58%(10%)

Non-Performing Loan Ratio

1.05%

Profitability

Return on Assets (ROA)

1.35%(1%)

Return on Equity (ROE)

19.12%(10%)

Net Interest Margin

3.90%

Efficiency Ratio

55.83%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

78.38%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+2.42%

Deposit Growth (YoY)

+0.54%

Net Income

$23.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. 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 BankHQ	2280 45th St S	Fargo	ND	11
Cornerstone Bank	1806 N 12th St	Bismarck	ND	11
Cornerstone Bank	3095 15th St W	Dickinson	ND	11
Cornerstone Bank	415 20th Ave Sw	Minot	ND	11
Cornerstone Bank	415 20th Ave Sw	Minot	ND	23
Cornerstone Bank	323 Main St	New Town	ND	23
Cornerstone Bank	323 Main St	New Town	ND	11
Cornerstone Bank	11 S Main Street	Parshall	ND	11
Cornerstone Bank	402 Main Street	Plaza	ND	11
Cornerstone Bank	235 Hwy 2 Se	Rugby	ND	11
Cornerstone Bank	106 8th Avenue Se	Watford City	ND	11
Cornerstone Bank	6045 S Louise Ave	Sioux Falls	SD	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.