| Metric | Cornerstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.0% | +3.0% | -14.0 pts |
| Deposit growth (YoY) | -14.1% | +2.5% | -16.6 pts |
| Loan growth (YoY) | -3.1% | +2.6% | -5.7 pts |
| ROA | 0.68% | 0.99% | -0.3 pts |
| ROE | 4.6% | 8.1% | -3.5 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.0M | $34.6M | $26.2M | $6.6M | $149K | 0.68% | 4.10% | 0.30% |
| Q1 2026 | $45.5M | $38.1M | $26.2M | $6.5M | $86K | 0.76% | 3.96% | 0.29% |
| Q4 2025 | $44.6M | $37.4M | $26.7M | $6.5M | $354K | 0.77% | 3.76% | 0.30% |
| Q3 2025 | $46.0M | $36.8M | $27.3M | $6.4M | $296K | 0.86% | 3.70% | 0.29% |
| Q2 2025 | $47.2M | $40.3M | $27.0M | $6.2M | $214K | 0.93% | 3.80% | 0.29% |
| Q1 2025 | $44.5M | $37.3M | $28.1M | $6.1M | $66K | 0.58% | 3.96% | 1.17% |
| Q4 2024 | $46.4M | $37.8M | $28.8M | $5.9M | $-185K | -0.38% | 2.59% | 1.89% |
| Q3 2024 | $48.1M | $39.6M | $28.5M | $5.7M | $-433K | -1.17% | 2.42% | 2.18% |
Loan mix (Q2 2026): real estate $23.4M · commercial $1.2M · consumer $1.8M · securities $3.0M
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 8.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.4% | 70.8% | 53th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.