Cornerstone Bank is a bank based in Fargo, North Dakota, established in 1907, with $1.8 billion in total assets across 13 branches. By Trust Grade it ranks 47th of 60 banks we track in North Dakota. Its capital ratio of 8.2% trails most similarly sized banks (11th percentile), versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 1.27% return on assets. No consumer complaints against Cornerstone Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cornerstone Bank compares to North Dakota peers
How we graded Cornerstone Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.2% capital ratio)
- Strongly profitable (ROA 1.27%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cornerstone Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (13)
- 323 Main St, New Town, ND 58763
- 402 Main Street, Plaza, ND 58771
- 323 Main St, New Town, ND 58763
- 1806 N 12th St, Bismarck, ND 58501
- 11 S Main Street, Parshall, ND 58770
- 3095 15th St W, Dickinson, ND 58601
- 106 8th Avenue Se, Watford City, ND 58854
- 6045 S Louise Ave, Sioux Falls, SD 57108
- 415 20th Ave Sw, Minot, ND 58701
- 415 20th Ave Sw, Minot, ND 58701
- 235 Hwy 2 Se, Rugby, ND 58368
- 104 1st Ave Nw, Watertown, SD 57201
- 2280 45th St S, Fargo, ND 58104
Are deposits at Cornerstone Bank insured?
Yes. Cornerstone Bank is an FDIC-insured bank (FDIC certificate #13198). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cornerstone Bank: frequently asked questions
Is Cornerstone Bank a good bank?
Cornerstone Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.2% capital ratio); Strongly profitable (ROA 1.27%).
Is Cornerstone Bank FDIC-insured?
Yes. Cornerstone Bank is a FDIC-insured bank (FDIC certificate #13198). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Cornerstone Bank?
Cornerstone Bank holds $1.8 billion in total assets, ranking 47th of 60 banks we track in North Dakota. It operates 13 branches.
Does Cornerstone Bank have CFPB complaints?
No CFPB complaints against Cornerstone Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
