Cornerstone State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone State Bank of Montgomery, MN against its peer group of 2757 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 | 1.62% | 1.25% | +0.37% | 69th above |
| ROAE | 21.15% | 12.22% | +8.93% | 90th top |
| Net Interest Margin | 3.86% | 3.95% | -0.09% | 45th below |
| Efficiency Ratio | 59.94% | 63.71% | -3.77% | 54th above |
| PPNR / Avg Assets | 1.66% | — | — | 53rd above |
| Yield on Earning Assets | 5.36% | 5.67% | -0.31% | 38th below |
| Cost of Funds | 1.62% | 1.87% | -0.25% | 62nd above |
| Net Interest Spread | 3.50% | — | — | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.80% | 0.88% | -0.08% | 34th below |
| NPA / Total Assets | 0.49% | — | — | 39th below |
| NCO / Avg Loans | -1.69% | 0.15% | -1.84% | 100th top |
| ACL / Total Loans | 1.40% | — | — | 72nd above |
| ACL / NPLs (Coverage) | 174.43% | — | — | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.53% | 5.96% | -0.43% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.60% | 11.75% | -1.15% | 43rd below |
| Equity / Assets | 8.08% | 10.98% | -2.90% | 14th bottom |
| TCE / Tangible Assets | 8.08% | — | — | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.07% | 80.44% | -12.37% | 74th above |
| Core Deposit Ratio | 96.71% | 86.95% | +9.76% | 92nd top |
| Wholesale Funding Ratio | 0.81% | — | — | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.91% | — | — | 53rd above |
| Loan Growth (Y/Y) | 3.76% | — | — | 40th below |
| Deposit Growth (Y/Y) | 4.65% | — | — | 55th above |
See Cornerstone State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone State 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 State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cornerstone State Bank peer analysis.