I am concerned about your words "were added as joint owners." If ownership actually passed in part or in whole to you and your sister, then the cost basis changes from what was recorded as her cost basis. I would seek information from the financial institution to understand their position on when ownership changed - as you say while your mother was alive -or as they seem to have decided, at her death.
If this posted response is useful to you, please click on the upraised hand in the lower left of this post. Thank you. Scruffy Curmudgeon--PFFM/ IAFF, retired FireFighter/Paramedic - Locals 718/30, Veteran USAR O3 AIS/ASA '65-'67
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