☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Cornerstone Bank Fargo, ND

iAdvertiser Disclosure

Cornerstone Bank Fargo, ND Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cornerstone Bank Fargo, ND provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Cornerstone Bank Fargo, ND rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Cornerstone Bank Fargo, ND, and you can see how they compare in the Cornerstone Bank Fargo, ND rate tables below. MonitorBankRates evaluates the financial stability of Cornerstone Bank Fargo, ND with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.20%. Database rates last updated and verified on 09/23/2026.

Cornerstone Bank Fargo, ND money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cornerstone Bank Fargo, ND? Share your experience about Cornerstone Bank Fargo, ND by leaving a review below, or read customer reviews before you decide to use Cornerstone Bank Fargo, ND.

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.20%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Cornerstone Bank

2280 45th St S
Fargo, ND 58104

https://www.cornerstonebanks.net

Current Rate Availability

We're not currently displaying rates for Cornerstone Bank Fargo, ND, but our database is updated constantly, so check back soon for the latest offers.

Are you with Cornerstone Bank Fargo, ND? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

Cornerstone Bank Fargo, ND’s Texas Ratio rose from 15.80% in Q3 2023 to 21.20% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.0 to 4.5 and its Health Grade from C- to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	21.20%	4.5	B
March 31, 2026	$1.8B	13.47%	5.0	A
December 31, 2025	$1.8B	9.34%	5.0	A
September 30, 2025	$1.8B	6.61%	5.0	A
June 30, 2025	$1.8B	8.21%	5.0	A
March 31, 2025	$1.8B	4.18%	4.5	A
December 31, 2024	$1.7B	1.77%	4.1	A-
September 30, 2024	$1.6B	2.69%	4.6	A
June 30, 2024	$1.6B	3.34%	4.2	A-
March 31, 2024	$1.5B	6.74%	4.1	B+
December 31, 2023	$1.5B	7.73%	3.8	B
September 30, 2023	$1.5B	15.80%	3.0	C-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cornerstone Bank Fargo, ND is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cornerstone Bank Fargo, ND rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cornerstone Bank Fargo, ND's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Cornerstone Bank Fargo, ND

Bank Holding Company CORNERSTONE HOLDING CO INC

Address 2280 45th St S, Fargo, ND 58104 · Cass

Website https://www.cornerstonebanks.net

FDIC Certificate # 13198

Established 19070715

FDIC Insurance Date 19340101

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.5

Excellent Out of 5.0 Stars

21.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2464%

Return on Equity (ROE) 15.4000%

Non-Performing Loans (NPL) 1.73%

Total Assets $1,853,302,000

Total Deposits $1,648,644,000

Equity Capital $151,237,000

Net Income $11,195,000

Headquarters Fargo

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

There are no reviews for Cornerstone Bank Fargo, ND yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Cornerstone Bank Fargo, ND

Frequently Asked Questions About Cornerstone Bank Fargo, ND

How many branches does Cornerstone Bank Fargo, ND operate?

Cornerstone Bank Fargo, ND currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cornerstone Bank Fargo, ND does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cornerstone Bank Fargo, ND provides members with tools to manage their accounts and build a solid financial history.

Does Cornerstone Bank Fargo, ND offer online and mobile banking?

Most modern institutions like Cornerstone Bank Fargo, ND provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cornerstonebanks.net.