| Metric | Cornerstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | -8.6% | +4.3% | -13.0 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.7 pts |
| ROA | 1.47% | 1.28% | +0.2 pts |
| ROE | 16.8% | 12.4% | +4.4 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $504.9M | $298.4M | $431.7M | $43.6M | $3.6M | 1.47% | 3.32% | 0.04% |
| Q1 2026 | $477.4M | $327.4M | $430.5M | $43.6M | $2.0M | 1.65% | 3.25% | 0.06% |
| Q4 2025 | $501.5M | $327.8M | $436.6M | $42.1M | $4.8M | 1.02% | 2.81% | 0.10% |
| Q3 2025 | $486.1M | $329.0M | $416.5M | $41.7M | $3.2M | 0.91% | 2.72% | 0.10% |
| Q2 2025 | $472.6M | $326.6M | $406.9M | $40.4M | $1.9M | 0.81% | 2.57% | 0.14% |
| Q1 2025 | $458.6M | $363.4M | $395.3M | $39.3M | $843K | 0.74% | 2.48% | 0.14% |
| Q4 2024 | $450.5M | $329.7M | $395.3M | $39.2M | $3.5M | 0.80% | 2.13% | 0.00% |
| Q3 2024 | $436.1M | $350.5M | $378.8M | $38.9M | $2.1M | 0.64% | 2.03% | 0.00% |
Loan mix (Q2 2026): real estate $416.3M · commercial $19.5M · consumer $1.3M · securities $25.2M
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.28% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 61.2% | 22th |
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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