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Cornerstone State Bank

Montgomery, MN · Cert 21525 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Cornerstone Bcorp Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$247.0MAssets
$152.4MLoans
$223.9MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 77% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 12 of 53).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 48 of 53).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 25 of 53

Net Interest Margin

3.40%

Rank 37 of 53

Efficiency Ratio

61.16%

Rank 21 of 53

Equity / Assets

8.08%

Rank 40 of 53

Non-interest income vs. expense

$1.2M$6.0MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 62% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area
Bank 61.16%Peer median 65.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.73%1.11%1.30%Beats 53%25 / 53
Return on Equity14.30%7.88%12.20%14.12%Beats 77%12 / 53
Net Interest Margin3.40%3.39%3.77%4.09%Beats 30%37 / 53
Efficiency Ratio61.16%56.05%65.05%71.57%Beats 62%21 / 53
Asset Quality
Nonperforming Loans / Loans0.80%0.14%0.52%1.20%Beats 42%32 / 53
Net Charge-Offs / Loans0.01%0.00%0.01%0.08%Beats 53%27 / 53
Capital
Tier 1 Capital Ratio10.60%10.73%12.98%15.08%Beats 19%43 / 53
Total Risk-Based Capital Ratio10.60%11.49%13.79%16.34%Beats 9%48 / 53
Equity / Assets8.08%8.08%9.25%10.72%Beats 25%40 / 53
Liquidity & Funding
Loans / Deposits68.07%72.13%82.29%93.80%21st pctl42 / 53
Loans / Assets61.73%63.64%71.80%79.37%23rd pctl41 / 53
Brokered Deposits / Depositsn/aNot reported for this institution