Cornerstone Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Total equity capital rose 5.2% from Q1 2026 to Q2 2026, ending at $151.2M against $143.7M. It was the largest change among the key lines on this page. Cornerstone Bank ranks 20th of 25 North Dakota banks on CET1 ratio, in the lower half at 11.28% (Q2 2026). Cornerstone Bank reported 11.28% on CET1 ratio for Q2 2026, 2.22 points below the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.28% |
| Tier 1 risk-based capital ratio | 11.28% |
| Total risk-based capital ratio | 12.44% |
| Tier 1 leverage ratio | 9.63% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $174.8M |
| Tier 1 capital | $174.8M |
| Total risk-based capital | $192.9M |
| Total equity capital | $151.2M |
| Risk-weighted assets | $1.55B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.16% |
| Tangible equity to tangible assets | 8.16% |
| Equity capital to average assets | 8.33% |
| Internal capital growth rate | 15.57% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $55.0M |
| Retained earnings | $119.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$23.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 9.31% | 9.31% | 10.56% | 7.80% | $1.21B |
| Q4 2023 | 9.38% | 9.38% | 10.51% | 7.35% | $1.25B |
| Q1 2024 | 9.97% | 9.97% | 11.10% | 8.23% | $1.28B |
| Q2 2024 | 9.59% | 9.59% | 10.70% | 8.27% | $1.35B |
| Q3 2024 | 9.65% | 9.65% | 10.79% | 8.33% | $1.37B |
| Q4 2024 | 10.00% | 10.00% | 11.15% | 8.10% | $1.40B |
| Q1 2025 | 10.24% | 10.24% | 11.39% | 8.16% | $1.43B |
| Q2 2025 | 10.42% | 10.42% | 11.59% | 8.42% | $1.46B |
| Q3 2025 | 10.85% | 10.85% | 12.05% | 8.88% | $1.45B |
| Q4 2025 | 11.33% | 11.33% | 12.58% | 9.01% | $1.44B |
| Q1 2026 | 11.46% | 11.46% | 12.70% | 9.59% | $1.48B |
| Q2 2026 | 11.28% | 11.28% | 12.44% | 9.63% | $1.55B |
Cornerstone Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)