Branch Network
Cornerstone Bank Locations & Branches Fargo, North Dakota
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Cornerstone Bank operates 13 branches from its headquarters in Fargo, ND, .
Cornerstone Bank branch network
Its 13 branches span 2 states and 12 cities. The most are in NORTH DAKOTA (10) and SOUTH DAKOTA (3). NORTH DAKOTA holds 97.5% of its branch deposits. New Town, ND has the most of its branches, 2. Its largest office by deposits is the New Town Branch office in New Town, ND, with $438.9M (26.6% of its branch deposits). On June 30, 2025 it had 11 branches, 2 fewer than in 2026.
Cornerstone Bank at a glance
Its CET1 capital ratio was 11.28% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.85B
- CET1 ratio, Q2 2026
- 11.28%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1907
Full financial profile · Is Cornerstone Bank safe? · Cornerstone Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Fargo, ND (1 branch) | 8 of 23 | 3.1% | $288.9M |
| State: ND (10 branches) | 10 of 70 | 3.7% | $1.61B |
Ranked by total assets among banks headquartered in the state: Largest banks in North Dakota.
Share by county and metro area
Cornerstone Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mountrail, ND (4 branches) | 1 of 3 | 53.9% | $548.9M | $1.02B |
| Mckenzie, ND (1 branch) | 2 of 3 | 22.0% | $305.7M | $1.39B |
| Cass, ND (1 branch) | 10 of 28 | 2.6% | $288.9M | $11.27B |
| Burleigh, ND (1 branch) | 11 of 16 | 4.0% | $223.4M | $5.57B |
| Ward, ND (1 branch) | 9 of 11 | 3.6% | $123.1M | $3.45B |
| Stark, ND (1 branch) | 6 of 10 | 5.0% | $101.5M | $2.02B |
| Lincoln, SD (1 branch) | 20 of 26 | <0.1% | $39.6M | $647.52B |
| Pierce, ND (1 branch) | 5 of 5 | 5.1% | $15.8M | $307.6M |
| Codington, SD (1 branch) | 10 of 10 | <0.1% | $1.5M | $1.59B |
| Brown, SD (1 branch) | 12 of 12 | <0.1% | $385K | $2.00B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Fargo, ND-MN (1 branch) | 10 of 32 | 2.2% | $288.9M | $12.93B |
| Bismarck, ND (1 branch) | 12 of 18 | 3.2% | $223.4M | $6.92B |
| Minot, ND (1 branch) | 9 of 14 | 3.3% | $123.1M | $3.69B |
| Dickinson, ND (1 branch) | 6 of 11 | 5.0% | $101.5M | $2.04B |
| Sioux Falls, SD (1 branch) | 34 of 39 | <0.1% | $39.6M | $1.13T |
| Watertown, SD (1 branch) | 12 of 12 | <0.1% | $1.5M | $1.81B |
| Aberdeen, SD (1 branch) | 15 of 15 | <0.1% | $385K | $2.22B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| New Town Branch | New Town, ND | 58763 | $438.9M |
| Watford City Branch | Watford City, ND | 58854 | $305.7M |
| Cornerstone Bank (main office) | Fargo, ND | 58104 | $288.9M |
| Bismarck Branch | Bismarck, ND | 58501 | $223.4M |
| Minot Branch | Minot, ND | 58701 | $123.1M |
| Parshall Branch | Parshall, ND | 58770 | $110.0M |
| Dickinson Office Branch | Dickinson, ND | 58601 | $101.5M |
| Sioux Falls Branch | Sioux Falls, SD | 57108 | $39.6M |
| Cornerstone Bank - Rugby Branch | Rugby, ND | 58368 | $15.8M |
| Watertown Branch | Watertown, SD | 57201 | $1.5M |
| Aberdeen Branch | Aberdeen, SD | 57401 | $385K |
| Detached Facility | New Town, ND | 58763 | $0 |
| Plaza Branch | Plaza, ND | 58771 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)