| Metric | Cornerstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +49.0% | +5.5% | +43.5 pts |
| Deposit growth (YoY) | +45.1% | +5.1% | +40.1 pts |
| Loan growth (YoY) | +38.5% | +5.9% | +32.6 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 7.0% | 12.2% | -5.2 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.57B | $1.94B | $1.93B | $227.5M | $7.2M | 0.63% | 3.46% | 0.26% |
| Q1 2026 | $2.40B | $1.95B | $1.86B | $229.2M | $4.1M | 0.77% | 3.58% | 0.28% |
| Q4 2025 | $1.82B | $1.42B | $1.45B | $159.6M | $8.3M | 0.48% | 2.54% | 0.32% |
| Q3 2025 | $1.77B | $1.37B | $1.42B | $154.3M | $3.5M | 0.27% | 2.51% | 0.40% |
| Q2 2025 | $1.73B | $1.33B | $1.39B | $152.5M | $2.9M | 0.34% | 2.43% | 0.41% |
| Q1 2025 | $1.71B | $1.35B | $1.35B | $151.3M | $1.6M | 0.38% | 2.33% | 0.20% |
| Q4 2024 | $1.68B | $1.31B | $1.32B | $153.4M | $-2.9M | -0.18% | 2.26% | 0.14% |
| Q3 2024 | $1.64B | $1.29B | $1.32B | $125.8M | $182K | 0.01% | 2.27% | 0.21% |
Loan mix (Q2 2026): real estate $1.73B · commercial $91.0M · consumer $117.7M · securities $354.1M
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 59.0% | 94th |
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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