| Metric | Cornerstone State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.7 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 1.49% | 1.24% | +0.3 pts |
| ROE | 18.9% | 11.9% | +7.1 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.0M | $223.9M | $150.3M | $19.9M | $1.8M | 1.49% | 3.70% | 0.49% |
| Q1 2026 | $243.1M | $221.5M | $154.5M | $18.6M | $799K | 1.32% | 3.43% | 0.31% |
| Q4 2025 | $242.0M | $218.8M | $152.7M | $19.0M | $2.0M | 0.83% | 3.05% | 0.31% |
| Q3 2025 | $233.3M | $211.6M | $144.2M | $17.7M | $1.3M | 0.72% | 2.99% | 0.28% |
| Q2 2025 | $235.4M | $214.0M | $145.6M | $16.3M | $564K | 0.48% | 2.95% | 0.28% |
| Q1 2025 | $233.5M | $213.5M | $148.9M | $15.1M | $358K | 0.61% | 2.87% | 0.62% |
| Q4 2024 | $236.9M | $216.2M | $148.3M | $14.3M | $1.3M | 0.55% | 2.56% | 0.56% |
| Q3 2024 | $232.0M | $209.7M | $141.2M | $16.0M | $601K | 0.35% | 2.48% | 0.07% |
Loan mix (Q2 2026): real estate $129.9M · commercial $7.9M · consumer $11.1M · securities $75.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cornerstone State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 18.9% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 62.9% | 45th |
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 State 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 State 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 State 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 State 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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