🏦Bank Scorer

CORNERSTONE STATE BANK

MONTGOMERY, MN · Supervised by FDIC

Est. 1974FDIC #21,525RSSD: FDIC-21525
Part ofCORNERSTONE BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: March 2025

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.32%

Institution Profile

FDIC BankFind

Address

401 4th St Nw, MONTGOMERY, MN

County

Le Sueur County

Established

April 8, 1974

Total Assets

$243M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$243M

Total Deposits

$221M

Net Loans

$154M

Net Income

$799K

ROA

1.32%

ROE

17.00%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.55%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$214M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20248893.18%4.55%
20238387.95%4.82%
202210591.43%2.86%
202122491.07%3.57%
202025587.06%4.31%
201917093.53%2.35%
201814881.08%5.41%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/aaf0d406-3e92-4570-9ac9-556303f3a729"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: