Cornerstone Bank: Bank Stress & Real-Estate Credit Exposure

Cornerstone Bank (FDIC Cert #13198) carries a DLRadar bank-stress score of 72/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs Cornerstone Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Because Cornerstone Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 72/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. The combination of a elevated reading and a compact footprint is what makes Cornerstone Bank worth watching as a supply signal. County by county, that footprint includes Cass County, ND, Ward County, ND, Burleigh County, ND, Pierce County, ND, among others DLRadar tracks parcel by parcel. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Cornerstone Bank is held under Cornerstone Holding Co Inc, so its disclosures are public and its stress trajectory is externally verifiable. DLRadar maps Cornerstone Bank into 8 counties (120 ZIP codes) across 2 states — a compact, regionally concentrated lending base. It concentrates most in North Dakota (7 counties), South Dakota (1 county). The value is in the linkage: Cornerstone Bank's elevated reading is mapped onto 120 ZIP codes and 8 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

For buyers, lender stress is an early map of supply: when Cornerstone Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.