ND lenders / Community Bank
Cornerstone Bank
Community Bank · Fargo, ND · Cornerstone Holding Co Inc
- Total assets
- $1.8B
- CRE loan book
- $549.6M
- QoQ CRE growth
- 5.0%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.03% as of Q1 2026 — TX bank median 4.87% (1.16pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.03% | 6.32% |
| Q4 2025 | 6.23% | 6.50% |
| Q3 2025 | 6.38% | 6.72% |
| Q2 2025 | 6.08% | 6.49% |
| Q1 2025 | 5.94% | 6.27% |
| Q4 2024 | 5.99% | 6.36% |
| Q3 2024 | 5.98% | 6.42% |
| Q2 2024 | 5.62% | 6.08% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $549.6M | $75.4M | $113.1M | 182% | $7.4M |
| Q4 2025 | $523.3M | $71.5M | $109.6M | 187% | $7.1M |
| Q3 2025 | $542.7M | $79.7M | $112.3M | 202% | $5.5M |
| Q2 2025 | $532.3M | $81.8M | $117.4M | 210% | $4.8M |
| Q1 2025 | $529.2M | $78.5M | $118.1M | 217% | $547,000 |
| Q4 2024 | $531.9M | $79.0M | $106.2M | 220% | $0 |
| Q3 2024 | $526.1M | $76.4M | $109.2M | 228% | $1.1M |
| Q2 2024 | $506.5M | $81.8M | $101.7M | 229% | $1.4M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Union BankCommunity Bank · Morrisville · $549.1M CRE book
- DMB Community BankCommunity Bank · Madison · $545.5M CRE book
- The Citizens Bank of Philadelphia, MississippiCommunity Bank · Philadelphia · $554.3M CRE book
- Cornhusker BankCommunity Bank · Lincoln · $557.7M CRE book
- The State Bank and Trust CompanyCommunity Bank · Defiance · $535.4M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.