Cornerstone Bank

Headquarters: Fargo, North Dakota
Charter: Bank
Assets: $1.9B
Fed district: Minneapolis
Regulator: FDIC
Holding company: Cornerstone Holding Co Inc.

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 12, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 12, 2026

How these figures are measured

Call-report figures are for Cornerstone Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Cornerstone Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Cornerstone Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $258K in Q2 2026, 8.9% above the same quarter a year earlier ($237K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Cornerstone Bank: $33
Cornerstone Bank: $33
U.S. median: no median
NSF / Returned Item
Cornerstone Bank: $33
Cornerstone Bank: $33
U.S. median: no median
Wire Transfer (Domestic Out)
Cornerstone Bank: $30
Cornerstone Bank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 3.2% from Q3 2025 to Q2 2026, to $258K.

Service-charge income, Q2 2026

$258K

$250KQ3 2025

$251KQ4 2025

$264KQ1 2026

$258KQ2 2026

Against the median

Cornerstone BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Cornerstone Bank · $1.9B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$1.7B to $2B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Cornerstone Bank(this institution)	Fargo, ND	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Androscoggin Savings Bank	Lewiston, ME	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank 7	Oklahoma City, OK	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
BankWest, Inc.	Pierre, SD	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Chelsea Groton Bank	Groton, CT	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Embassy Bank for the Lehigh Valley	Bethlehem, PA	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fairfield County Bank	Ridgefield, CT	$1.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fall River Five Cents Savings Bank	Fall River, MA	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Commerce Bank	Lakewood, NJ	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Northern Bank of Dixon	Dixon, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
FirstBank Southwest	Amarillo, TX	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Hawthorn Bank	Jefferson City, MO	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ives Bank	Danbury, CT	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Kennebec Savings Bank	Augusta, ME	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Newtown Savings Bank	Newtown, CT	$1.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Easton Savings Bank	South Easton, MA	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oak Valley Community Bank	Oakdale, CA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Security Bank and Trust Company	Paris, TN	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Servbank, National Association	Oswego, IL	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sutton Bank	Attica, OH	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Citizens National Bank of Meridian	Meridian, MS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Conway National Bank	Conway, SC	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The National Bank of Blacksburg	Blacksburg, VA	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Thomaston Savings Bank	Thomaston, CT	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Tri City National Bank	Oak Creek, WI	$2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Cornerstone Bank does not publish a monthly maintenance fee in the index.

The peer median is $8.50 among 12 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Cornerstone Bank does not publish a monthly maintenance fee, so it is not on this chart.

Cornerstone BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Cornerstone Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $258K
vs prior quarter: −$6K−2.3%; from Q1 2026
vs a year earlier: +$21K+8.9%; from Q2 2025
vs start of range: +$18K+7.5%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Cornerstone Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$258K	−$6K	−2.3%
Q1 2026	$264K	+$13K	+5.2%
Q4 2025	$251K	+$1K	+0.4%
Q3 2025	$250K	+$13K	+5.5%
Q2 2025	$237K	+$8K	+3.5%
Q1 2025	$229K	−$13K	−5.4%
Q4 2024	$242K	+$2K	+0.8%
Q3 2024	$240K	+$16K	+7.1%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Cornerstone Bank’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closing$25
Dormant Account Fee (no activity on account for 1 year)$5
per month
Account Research Fee$50
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$33
per item
Returned Item/NSF Fee$33
per item
Continuous Overdraft Fee$10

ATM & Card

Consumer ATM/Debit Card Rush (if available)$75

Wire Transfers

Wire Fees ‐ Outgoing Domestic Wire$30
per item
Wire Fees ‐ Incoming Wire$15
per item
Wire Fees ‐ Outgoing International Wire$60
per item

Check Services

Stop Payment$33
per item

Digital & Electronic

No Rush Bill paymentNo charge
Overnight Check$16.95
Same Day payment$11.95

Cash & Deposit

Chargeback Fee$5

Account Services

Remote Online Notarization Fee$5
Safe Deposit Box 10 X 10$75
Safe Deposit Box 3 X 10$35
Safe Deposit Box 3 X 5$25
Safe Deposit Box 4 X 10$45
Safe Deposit Box 5 X 10$55
Safe Deposit Box 5 X 5$35
Legal Processing Fee$100

Retirement & IRA

IRA Plan Transfer Fee$50
per item

Other Fees

Copy Fee$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closing	$25	Not stated	None
Dormant Account Fee (no activity on account for 1 year)	$5	per month	None
Account Research Fee	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$33	per item	None
Returned Item/NSF Fee	$33	per item	None
Continuous Overdraft Fee	$10	Not stated	None
ATM & Card
Consumer ATM/Debit Card Rush (if available)	$75	Not stated	None
Wire Transfers
Wire Fees ‐ Outgoing Domestic Wire	$30	per item	None
Wire Fees ‐ Incoming Wire	$15	per item	None
Wire Fees ‐ Outgoing International Wire	$60	per item	None
Check Services
Stop Payment	$33	per item	None
Digital & Electronic
No Rush Bill payment	No charge	Not stated	None
Overnight Check	$16.95	Not stated	None
Same Day payment	$11.95	Not stated	None
Cash & Deposit
Chargeback Fee	$5	Not stated	None
Account Services
Remote Online Notarization Fee	$5	Not stated	None
Safe Deposit Box 10 X 10	$75	Not stated	None
Safe Deposit Box 3 X 10	$35	Not stated	None
Safe Deposit Box 3 X 5	$25	Not stated	None
Safe Deposit Box 4 X 10	$45	Not stated	None
Safe Deposit Box 5 X 10	$55	Not stated	None
Safe Deposit Box 5 X 5	$35	Not stated	None
Legal Processing Fee	$100	Not stated	None
Retirement & IRA
IRA Plan Transfer Fee	$50	per item	None
Other Fees
Copy Fee	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 12, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Cornerstone Bank operates, and what regulators and customers have on file.

Enforcement actions

1 past action

Past

Written AgreementMay 27, 2011
Federal Reserve, against the holding company, Cornerstone Holding Company, Inc.. Ended December 19, 2013 · Order

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

Get an email when Cornerstone Bank's early account closure changes in our data

We check once a day and send one email covering every change.