CORNERSTONE STATE BANK

MONTGOMERY, MN | Small | Est. April 8, 1974, midnight | FDIC #21525 | RSSD #914853 | FDIC
Latest Report: 2025-12-31

CORNERSTONE STATE BANK is asn small FDIC-insured commercial bank headquartered in MONTGOMERY, MN, established in April 8, 1974, midnight. As of 2025-12-31, the bank reported total assets of $242M and total deposits of $219M. Profitability stands at 1.15% ROA and 14.84% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 7.69%. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.48%. FDIC Certificate #21525.

Assets

$242M

Deposits

$219M

Loans

$154M

Equity

$19M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 14.84%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.04%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.35%
Texas Ratio 3.48%
NPA Ratio 0.29%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 7.69%
Tier 1 Capital 7.69%
Total Capital Ratio 8.07%
Leverage Ratio 10.32%
Loan-to-Deposit 70.41%

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