Cornerstone Bank
Total assets
$2.73B
▼ -2.2% YoY
Deposits
$2.31B
▼ -0.4% YoY
Loans
$2.07B
▼ -2.3% YoY
Offices
50
FIRST YORK BAN CORP
ROA (annualized)
1.24%
peers 1.26%
ROE (annualized)
13.70%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Cornerstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +5.5% | -7.6 pts |
| Deposit growth (YoY) | -0.5% | +5.1% | -5.5 pts |
| Loan growth (YoY) | -2.3% | +5.9% | -8.2 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
Profile
- Established
- 1882
- Charter
- State
- Primary regulator
- FED
- Holding company
- FIRST YORK BAN CORP
- Specialization
- Agricultural Specialization
- Address
- 529 N Lincoln Ave, York, NE, 68467
- County
- York
- Offices
- 50
- FDIC cert #
- 5496
- RSSD ID
- 403151
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.73B | $2.31B | $2.07B | $249.7M | $16.9M | 1.24% | 3.42% | 1.19% |
| Q1 2026 | $2.65B | $2.38B | $1.99B | $245.0M | $7.7M | 1.14% | 3.39% | 0.46% |
| Q4 2025 | $2.76B | $2.44B | $2.07B | $243.2M | $31.1M | 1.11% | 3.21% | 0.35% |
| Q3 2025 | $2.77B | $2.39B | $2.10B | $235.6M | $23.0M | 1.09% | 3.18% | 1.10% |
| Q2 2025 | $2.79B | $2.32B | $2.12B | $226.9M | $15.0M | 1.06% | 3.11% | 0.58% |
| Q1 2025 | $2.81B | $2.40B | $2.14B | $218.4M | $6.9M | 0.97% | 3.04% | 0.27% |
| Q4 2024 | $2.83B | $2.42B | $2.13B | $208.3M | $27.5M | 1.00% | 2.92% | 0.28% |
| Q3 2024 | $2.79B | $2.40B | $2.11B | $212.4M | $20.7M | 1.01% | 2.93% | 0.34% |
Loan mix (Q2 2026): real estate $1.18B · commercial $309.2M · consumer $20.7M · securities $481.1M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 61th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| Ratio | Cornerstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Parkway Bank and Trust CompanyHarwood Heights, IL · $3.66B
- Frandsen Bank & TrustLonsdale, MN · $3.66B
- The Bank of East Asia Ltd.New York, NY · $3.66B
- Cornerstone Capital Bank, SSBHouston, TX · $3.67B
- St. Charles Bank & Trust Company, National AssociationSaint Charles, IL · $3.69B
- Macatawa Bank, National AssociationHolland, MI · $3.69B
Selling to Cornerstone Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.