Cornerstone Bank
Fargo, ND · Owner: Cornerstone Holding Co Inc
$1.9B
total assets, June 30, 2026
$1.9B
total assets, June 30, 2026
Cornerstone Bank is a state nonmember bank based in Fargo, ND, owned by Cornerstone Holding Co Inc. As of June 30, 2026 it held $1.9 billion in assets and $1.6 billion in deposits; assets were up 5.6% from a year before. It has 13 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.9B
+5.6% in a year · +5.9% in a quarter
Deposits
$1.6B
+4.7% in a year · +7.2% in a quarter
Loans
$1.4B
+7.5% in a year · +6.2% in a quarter
Profit so far
$11.2M
Jan 1 to Jun 30, 2026 · -6.0% in a year
Capital ratio
9.63%
+1.21 pts in a year
Return on assets
1.25%
-0.10 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 2280 45th St S, Fargo, ND, 58104
- County
- Cass
- Holding company
- Cornerstone Holding Co Inc
- Established
- Jul 15, 1907
- Employees
- 237
- Branches
- 13 in 2 states
- Website
- www.cornerstone.bank
- Id
- b13198
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
13 offices as of June 30, 2026, holding $1.6 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| North Dakota | 10 | $1.6B | 97.5% |
| South Dakota | 3 | $41.5M | 2.5% |
| Largest branches | Place | Deposits |
|---|---|---|
| New Town Branch | New Town, ND | $439M |
| Watford City Branch | Watford City, ND | $306M |
| Cornerstone Bank (main office) | Fargo, ND | $289M |
| Bismarck Branch | Bismarck, ND | $223M |
| Minot Branch | Minot, ND | $123M |
| Parshall Branch | Parshall, ND | $110M |
| Dickinson Office Branch | Dickinson, ND | $102M |
| Sioux Falls Branch | Sioux Falls, SD | $39.6M |
| Cornerstone Bank - Rugby Branch | Rugby, ND | $15.8M |
| Watertown Branch | Watertown, SD | $1.5M |
Related pages
Questions and answers
How big is Cornerstone Bank?
$1.9 billion in total assets and $1.6 billion in deposits as of June 30, 2026, with assets up 5.6% from a year before. Its loans were $1.4 billion.
How many branches does Cornerstone Bank have?
13 branches in 2 states as of June 30, 2026. The most deposits are in North Dakota ($1.6 billion).
Is Cornerstone Bank profitable?
Yes: it earned $11.2 million from January 1 to June 30, 2026 (down 6.0% from the same months a year before). Its return on assets was 1.25% a year; about 1% is typical.
Who owns Cornerstone Bank?
Cornerstone Bank is owned by Cornerstone Holding Co Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.