Cornerstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone Bank of Fargo, ND against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.23% | 1.34% | -0.11% | 44th below |
| ROAE | 15.17% | 12.40% | +2.77% | 71st above |
| Net Interest Margin | 4.02% | 3.83% | +0.19% | 69th above |
| Efficiency Ratio | 57.48% | 57.84% | -0.36% | 52nd above |
| PPNR / Avg Assets | 1.77% | — | — | 53rd above |
| Yield on Earning Assets | 5.74% | 5.71% | +0.03% | 62nd above |
| Cost of Funds | 1.64% | 2.02% | -0.38% | 74th above |
| Net Interest Spread | 3.63% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.28% | 1.00% | +1.28% | 9th bottom |
| NPA / Total Assets | 1.67% | — | — | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.23% | 0.43% | -0.20% | 17th bottom |
| ACL / Total Loans | 1.31% | — | — | 71st above |
| ACL / NPLs (Coverage) | 57.80% | — | — | 12th bottom |
| Texas Ratio | 18.95% | 5.47% | +13.48% | 4th bottom |
| Provision / NCO | 115.17% | — | — | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.28% | 14.99% | -3.71% | 14th bottom |
| Tier 1 Ratio | 11.28% | 15.02% | -3.74% | 13th bottom |
| Total Capital Ratio | 12.44% | — | — | 15th bottom |
| Leverage Ratio | 9.63% | 11.11% | -1.48% | 25th below |
| Equity / Assets | 8.16% | 11.02% | -2.86% | 9th bottom |
| TCE / Tangible Assets | 8.16% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.75% | 86.99% | -4.24% | 64th above |
| Core Deposit Ratio | 84.52% | 85.57% | -1.05% | 33rd below |
| Uninsured Deposit Ratio | 43.11% | 33.19% | +9.92% | 20th bottom |
| Wholesale Funding Ratio | 2.16% | — | — | 67th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.57% | — | — | 51st above |
| Loan Growth (Y/Y) | 7.55% | — | — | 61st above |
| Deposit Growth (Y/Y) | 4.65% | — | — | 47th below |
See Cornerstone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cornerstone Bank profile, how to read a UBPR, or how this data updates.