Cornerstone Bank
Fargo, ND
IDRSSD: 879457
Total Assets
$1.79B
Latest filing
Total Deposits
$1.59B
Latest filing
Net Interest Margin
4.09%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091300719FARGO, ND
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Cornerstone Bank
2280 45th St S
Fargo, ND 58104
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/15/1907FDIC Certificate 8352
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Cornerstone Bank (Main) | 2280 45th St S | Fargo, ND |
| NEW TOWN BRANCH | 323 Main St | New Town, ND |
| PLAZA BRANCH | 402 Main Street | Plaza, ND |
| DETACHED FACILITY | 323 Main St | New Town, ND |
| BISMARCK BRANCH | 1806 N 12th St | Bismarck, ND |
| PARSHALL BRANCH | 11 S Main Street | Parshall, ND |
| DICKINSON OFFICE BRANCH | 3095 15th St W | Dickinson, ND |
| WATFORD CITY BRANCH | 106 8th Avenue Se | Watford City, ND |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank Forward
Fargo, North Dakota
→
Assets: $1.05BΔ -39.9%
Border Bank
Fargo, North Dakota
→
Assets: $1.04BΔ -40.8%
American Federal Bank
Fargo, North Dakota
→
Assets: $770.46MΔ -56.0%
Aspire Bank
Fargo, North Dakota
→
Assets: $61.35MΔ -96.5%
Gate City Bank
Fargo, North Dakota
→
Assets: $3.83BΔ +118.5%
Choice Financial Group
Fargo, North Dakota
→
Assets: $5.75BΔ +228.2%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/15/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58104 |
| State and County Number | 38017 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fargo, ND-MN |
Operational Info
| Number of Employees | 214 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cornerstone.bank |
| Data Updated | 01/30/2026 |
| CERT | 13198 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.79B |
| Total Deposits | $1.59B |
| Total Liabilities | $1.64B |
| Total Equity Capital | $141.29M |
| Net Income | $6.08M |
| Net Loans and Leases | $1.24B |
| Assets Per Employee ($Millions) | $8.34M |
| Bank Premises and Fixed Assets | $42.26M |
| Cash and Balances due from Depository Institutions | $79.10M |
| Deposits Held in Domestic Offices | $1.59B |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 17.72% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 55.18% |
| Tier 1 Risk-Based Capital Ratio | 11.329% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.14% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.914% |
| Earning Assets to total Assets | 93.25% |
Income and Expense
| Total Interest Income | $24.84M |
| Total Noninterest Income | $1.42M |
| Total Interest Expense | $8.02M |
| Total Noninterest Expense | $10.07M |
| Net Interest Income | $16.82M |
| Pre-tax Net Operating Income | $7.58M |
| Provision for Credit Losses | $600.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $50.85M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $17.79M |
| Total Liabilities and Capital | $1.79B |
Securities
| Securities | $314.32M |
| Available-for-sale debt securities | $314.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cornerstone Bank?
$1.79B as of the latest filing.
How much are Cornerstone Bank's total deposits?
$1.59B in total deposits.
Where is Cornerstone Bank located?
Fargo, ND.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
12.
When was it established?
07/15/1907.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$1.24B (latest filing).
What is the total interest income (latest filing)?
$24.84M.