| Metric | The Corner Stone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +14.3% | +5.6% | +8.7 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.4M | $183.4M | $167.5M | $25.3M | $1.6M | 1.53% | 5.60% | 1.40% |
| Q1 2026 | $206.5M | $181.2M | $162.5M | $24.7M | $691K | 1.35% | 5.56% | 2.21% |
| Q4 2025 | $202.9M | $176.1M | $158.9M | $24.4M | $2.9M | 1.50% | 5.54% | 1.06% |
| Q3 2025 | $199.3M | $174.0M | $152.5M | $24.3M | $2.2M | 1.51% | 5.50% | 1.14% |
| Q2 2025 | $197.6M | $173.2M | $146.6M | $23.6M | $1.6M | 1.66% | 5.44% | 1.29% |
| Q1 2025 | $192.6M | $168.7M | $142.7M | $23.2M | $931K | 1.95% | 5.35% | 1.28% |
| Q4 2024 | $189.4M | $165.8M | $141.5M | $22.3M | $2.1M | 1.14% | 5.13% | 1.20% |
| Q3 2024 | $190.4M | $163.5M | $140.7M | $22.9M | $1.9M | 1.36% | 5.12% | 1.20% |
Loan mix (Q2 2026): real estate $126.0M · commercial $20.1M · consumer $18.3M · securities $26.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Corner Stone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 62.9% | 40th |
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 | The Corner Stone 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 | The Corner Stone 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 | The Corner Stone 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 | The Corner Stone 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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