Cornerstone Bank (FDIC #13198): Bank Stress & Real-Estate Credit Exposure

Cornerstone Bank (FDIC Cert #13198): bank stress 72/100, elevated, STABLE over 7 days; parent CORNERSTONE HOLDING CO INC.

Cornerstone Bank (#13198) lends in 10 counties across 2 states; Cornerstone Bank (#13198) reaches 150 ZIP codes: North Dakota 7 counties, 108 ZIPs; South Dakota 3 counties, 42 ZIPs.

Cornerstone Bank (#13198) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#13198), Ward County, ND (24 branches, 24 ZIPs) (#13198), Brown County, SD (20 branches, 20 ZIPs) (#13198), Burleigh County, ND (13 branches, 13 ZIPs) (#13198), Lincoln County, SD (12 branches, 12 ZIPs) (#13198), Mckenzie County, ND (12 branches, 12 ZIPs) (#13198).

Cornerstone Bank (#13198) reports $1.85 billion in total assets; Cornerstone Bank (#13198) equity $151.2 million (8.2% of Cornerstone Bank (#13198) assets); Cornerstone Bank (#13198) domestic deposits $1.65 billion; Cornerstone Bank (#13198) net income $11.2 million; Cornerstone Bank (#13198) return on assets 1.25%; Cornerstone Bank (#13198) return on equity 15.40%; Cornerstone Bank (#13198) net interest income $34.3 million; Cornerstone Bank (#13198) call report June 30, 2026.

Cornerstone Bank (#13198) noncurrent real-estate loans 0.01% of its book; Cornerstone Bank (#13198) net charge-offs on real estate 2.30%; Cornerstone Bank (#13198) multifamily charge-offs 3.92%; Cornerstone Bank (#13198) residential charge-offs 0.84%.

Cornerstone Bank (#13198) net interest margin 4.09% against an eight-quarter Cornerstone Bank (#13198) average of 3.76% (Cornerstone Bank (#13198) compression -0.33 points); Cornerstone Bank (#13198) real-estate loans 0.8% of equity; Cornerstone Bank (#13198) non-residential real estate 84.1% of equity; Cornerstone Bank (#13198) rate-exposure score 40/100, Cornerstone Bank (#13198) fixed-rate trap 40/100; Cornerstone Bank (#13198) risk type credit driven; Cornerstone Bank (#13198) rate regime rates elevated, Cornerstone Bank (#13198) snapshot October 20, 2026.

Cornerstone Bank (#13198) stress score moved from 70.1 on June 22, 2026 to 72.1 on October 20, 2026; Cornerstone Bank (#13198) ranged 70.1 to 72.1 over 117 snapshots.

Cornerstone Bank (#13198) alerts: 10 counties; top Cornerstone Bank (#13198) alert scores: Aberdeen County, ND 25 (low); Bismarck County, ND 25 (low); Dickinson County, ND 25 (low); Fargo County, ND 25 (low); Minot County, ND 25 (low).