🏦Bank Scorer

CORNERSTONE BANK

FARGO, ND · Supervised by FDIC

Est. 1907FDIC #13,198RSSD: FDIC-13198
Part ofCORNERSTONE HOLDING CO INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.27%

Institution Profile

FDIC BankFind

Address

2280 45th St S, FARGO, ND

County

Cass County

Established

July 15, 1907

Total Assets

$1.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.8B

Total Deposits

$1.5B

Net Loans

$1.3B

Net Income

$6M

ROA

1.27%

ROE

15.72%

Risk-Based Capital

12.70%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$1.6B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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