| Metric | CornerStone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +3.7% | +5.6% | -1.9 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.8M | $198.6M | $182.8M | $24.8M | $1.4M | 1.20% | 4.66% | 0.69% |
| Q1 2026 | $227.7M | $194.3M | $182.1M | $24.1M | $693K | 1.22% | 4.56% | 0.66% |
| Q4 2025 | $224.9M | $192.1M | $176.1M | $23.6M | $2.1M | 0.95% | 4.06% | 0.89% |
| Q3 2025 | $226.1M | $189.1M | $179.2M | $23.9M | $1.5M | 0.88% | 3.91% | 1.04% |
| Q2 2025 | $224.0M | $187.5M | $176.4M | $23.3M | $933K | 0.84% | 3.77% | 0.83% |
| Q1 2025 | $222.0M | $185.7M | $171.2M | $22.8M | $432K | 0.78% | 3.68% | 0.93% |
| Q4 2024 | $223.2M | $187.6M | $171.0M | $22.3M | $1.6M | 0.73% | 3.56% | 0.86% |
| Q3 2024 | $224.5M | $188.6M | $168.7M | $22.7M | $1.2M | 0.71% | 3.54% | 0.89% |
Loan mix (Q2 2026): real estate $160.3M · commercial $12.2M · consumer $10.9M · securities $18.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CornerStone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 57th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
4 branches in 3 counties across 1 state (+0 vs 2025) · $198.6M branch deposits. Biggest market: Lexington (City), VA, ranked 3rd with 23.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lexington (City), VA | 2 | $120.0M | 23.84% | 3rd |
| Rockbridge, VA | 1 | $48.2M | 10.49% | 5th |
| Buena Vista (City), VA | 1 | $30.3M | 36.84% | 2nd |
Virginia: 112th with 0.05% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).