Cornerstone State Bank (FDIC #21525): Bank Stress & Real-Estate Credit Exposure
Cornerstone State Bank (FDIC Cert #21525): bank stress 68/100, elevated, STABLE over 7 days; parent CORNERSTONE BCORP INC.
Cornerstone State Bank (#21525) lends in 5 counties across 1 state; Cornerstone State Bank (#21525) reaches 67 ZIP codes: Minnesota 5 counties, 67 ZIPs.
Cornerstone State Bank (#21525) largest markets: Blue Earth County, MN (40 branches, 20 ZIPs) (#21525), Sibley County, MN (16 branches, 16 ZIPs) (#21525), Carlton County, MN (15 branches, 15 ZIPs) (#21525), Le Sueur County, MN (26 branches, 13 ZIPs) (#21525), Scott County, MN (10 branches, 10 ZIPs) (#21525).
Cornerstone State Bank (#21525) reports $247.0 million in total assets; Cornerstone State Bank (#21525) equity $19.9 million (8.1% of Cornerstone State Bank (#21525) assets); Cornerstone State Bank (#21525) domestic deposits $223.9 million; Cornerstone State Bank (#21525) net income $1.8 million; Cornerstone State Bank (#21525) return on assets 1.49%; Cornerstone State Bank (#21525) return on equity 18.94%; Cornerstone State Bank (#21525) net interest income $4.3 million; Cornerstone State Bank (#21525) call report June 30, 2026.
Cornerstone State Bank (#21525) noncurrent real-estate loans: none reported; Cornerstone State Bank (#21525) net charge-offs on real estate 0.36%; Cornerstone State Bank (#21525) residential charge-offs 0.43%.
Cornerstone State Bank (#21525) net interest margin 3.70% against an eight-quarter Cornerstone State Bank (#21525) average of 3.00% (Cornerstone State Bank (#21525) compression -0.70 points); Cornerstone State Bank (#21525) non-residential real estate 43.0% of equity; Cornerstone State Bank (#21525) rate-exposure score 40/100, Cornerstone State Bank (#21525) fixed-rate trap 40/100; Cornerstone State Bank (#21525) risk type credit driven; Cornerstone State Bank (#21525) rate regime rates elevated, Cornerstone State Bank (#21525) snapshot October 19, 2026.
Cornerstone State Bank (#21525) stress score moved from 71.2 on June 22, 2026 to 67.5 on October 20, 2026; Cornerstone State Bank (#21525) ranged 67.5 to 71.2 over 117 snapshots.
Cornerstone State Bank (#21525) alerts: 5 counties; top Cornerstone State Bank (#21525) alert scores: Belle Plaine County, MN 25 (low); Cloquet County, MN 25 (low); Green Isle County, MN 25 (low); Madison Lake County, MN 25 (low); Montgomery County, MN 25 (low).