Montgomery, MN · Cert 21525 · Cornerstone Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #78 of 125 inst. · $0.1B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.43% | 0.48% | 0.38% | 0.57% | 0.65% | 1.04% | 1.17% | +79 bps | |
| Return on Equity | 4.46% | 6.99% | 7.67% | 5.82% | 8.43% | 9.36% | 13.36% | 14.87% | +905 bps | |
| Net Interest Margin | 2.21% | 2.26% | 2.58% | 2.70% | 2.73% | 2.76% | 3.16% | 3.40% | +70 bps | |
| Efficiency Ratio | 83.61% | 77.77% | 77.00% | 75.30% | 71.80% | 70.67% | 61.47% | 61.04% | -1,426 bps | |
| Non-Interest Burden | 1.77% | 1.65% | 1.90% | 1.92% | 1.82% | 1.81% | 1.78% | 1.89% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 3.84% | 2.75% | 3.95% | 0.57% | 2.13% | 4.09% | 4.91% | +96 bps | |
| Loan Growth (YoY) | 10.68% | 11.99% | 8.65% | 3.87% | 2.10% | 2.84% | 3.63% | 3.76% | -12 bps | |
| Deposit Growth (YoY) | 2.09% | 4.09% | 2.77% | 4.29% | 0.89% | 1.20% | 3.75% | 4.65% | +36 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.88% | 0.96% | 0.44% | 0.44% | 0.48% | 0.48% | 0.80% | +36 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.10% | 0.04% | 0.78% | 0.52% | 0.35% | 0.00% | -0.85% | -163 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.06% | 0.93% | 0.94% | 0.91% | 0.93% | 1.40% | +47 bps | |
| Allowance Coverage of NPLs | 8.7x | 1.2x | 1.1x | 2.1x | 2.1x | 1.9x | 1.9x | 1.7x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.99% | 10.09% | 9.97% | 10.07% | 10.28% | 10.32% | 10.34% | 10.60% | +53 bps | |
| Total Risk-Based Capital | 9.99% | 10.09% | 9.97% | 10.07% | 10.28% | 10.32% | 10.34% | 10.60% | +53 bps | |
| Equity / Assets | 6.89% | 6.06% | 6.44% | 6.92% | 7.59% | 7.87% | 7.63% | 8.08% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.00% | 69.29% | 70.47% | 68.65% | 68.82% | 70.41% | 70.39% | 68.07% | -58 bps | |
| Liquid Assets / Assets | 0.38% | 1.06% | 0.35% | 0.96% | 2.39% | 1.58% | 1.46% | 1.65% | +69 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 173.27% | 177.69% | 173.33% | n/a | n/a | |