Bank Comparison
Cornerstone Bank vs Starion Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| CET1 Ratio | 11.46% | 13.86% |
| Tier 1 Capital Ratio | 11.46% | 13.86% |
| Total Capital Ratio | 12.70% | 15.11% |
| Tier 1 Leverage Ratio | 9.59% | 9.48% |
| Equity / Assets | 8.21% | 8.26% |
Profitability
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 1.09% |
| Return on Equity (ROE) | 15.72% | 13.30% |
| Net Interest Margin (NIM) | 3.98% | 2.86% |
| Yield on Earning Assets | 5.63% | 4.69% |
| Cost of Funds | 1.74% | 2.01% |
Asset quality
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| Texas Ratio | 12.85% | 6.78% |
| Non-Performing Loan Ratio | 1.59% | 0.95% |
| Non-Performing Asset Ratio | 1.16% | 0.57% |
| Net Charge-Off Ratio | 0.02% | -0.06% |
| ACL / Loans | 1.41% | 1.47% |
Balance sheet
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| Total Assets | $1,750M | $2,135M |
| Total Deposits | $1,538M | $1,853M |
| Total Loans | $1,284M | $1,294M |
| Total Equity | $143,725K | $176,488K |
| Net Income (quarter) | $5,601K | $5,800K |
Liquidity & funding
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.48% | 69.86% |
| Core Deposit Ratio | 86.70% | 89.68% |
| Uninsured Deposit Ratio | 46.98% | 43.28% |
Identity
| Metric | Cornerstone Bank | Starion Bank |
|---|---|---|
| Headquarters City | FARGO | BISMARCK |
| Headquarters State | ND | ND |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 13 | 16 |
| Employees (FTE) | 221 | 241 |
| Established | July 15, 1907, midnight | Jan. 1, 1993, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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