| Metric | Cornerstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +5.5% | +0.1 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.4 pts |
| Loan growth (YoY) | +7.6% | +5.9% | +1.6 pts |
| ROA | 1.25% | 1.26% | -0.0 pts |
| ROE | 15.4% | 12.2% | +3.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.85B | $1.65B | $1.35B | $151.2M | $11.2M | 1.25% | 4.09% | 1.73% |
| Q1 2026 | $1.75B | $1.54B | $1.27B | $143.7M | $5.6M | 1.27% | 4.07% | 1.11% |
| Q4 2025 | $1.79B | $1.59B | $1.24B | $141.3M | $23.8M | 1.35% | 3.90% | 0.74% |
| Q3 2025 | $1.75B | $1.56B | $1.26B | $133.0M | $17.7M | 1.34% | 3.84% | 0.50% |
| Q2 2025 | $1.76B | $1.58B | $1.25B | $124.4M | $11.9M | 1.35% | 3.71% | 0.58% |
| Q1 2025 | $1.79B | $1.62B | $1.23B | $117.2M | $6.7M | 1.51% | 3.55% | 0.27% |
| Q4 2024 | $1.74B | $1.58B | $1.20B | $107.1M | $21.0M | 1.32% | 3.48% | 0.11% |
| Q3 2024 | $1.62B | $1.45B | $1.17B | $106.9M | $16.8M | 1.44% | 3.45% | 0.18% |
Loan mix (Q2 2026): real estate $865.8M · commercial $230.6M · consumer $36.5M · securities $301.0M
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.26% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 12.2% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 59.0% | 43th |
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% |
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