Cornerstone Bank (York, NE)
Cornerstone Bank (York, NE) reported total assets of $2.7 bn at Q2 2026, down 2.2% on a year earlier, the 463rd largest of 497 banks in our US coverage. Cornerstone Bank (York, NE) uses the community bank leverage ratio framework, with a leverage ratio of 9.88%. Cornerstone Bank (York, NE) held deposits of $2.3 bn. Source: FDIC Call Reports.
Key takeaways
- Since , Cornerstone Bank (York, NE) has taken over 7 institutions; the latest was Bank of Orchard on (FDIC Call Reports).
- On noncurrent loans to total loans, Cornerstone Bank (York, NE) slipped from 340th to 430th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Cornerstone Bank (York, NE) apart
How large is Cornerstone Bank (York, NE)?
The balance sheet of Cornerstone Bank (York, NE) at : assets $2.7 bn, deposits $2.3 bn, net loans $2.1 bn (loans equal to 89.43% of deposits). Securities make up 17.6% of total assets at Cornerstone Bank (York, NE). Since , when Cornerstone Bank (York, NE) held $1.4 bn, its assets grew 91.7%. In the year to , deposits at Cornerstone Bank (York, NE) fell 0.4% while its total assets fell 2.2%. At , Cornerstone Bank (York, NE) employed 514 full-time equivalent staff across 50 offices, about $5.3 mn of assets per employee and $46.2 mn of deposits per office.
How much funding at Cornerstone Bank (York, NE) is uninsured?
At Cornerstone Bank (York, NE), uninsured deposits (above the FDIC limit) made up 34.04% of domestic deposits at (+4.70 pp on a year earlier); Cornerstone Bank (York, NE) ranks 258th of 500 on this measure. In dollars, Cornerstone Bank (York, NE) estimated $787.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | -0.4% | 455th of 499 |
| Net loans and leases | $2.1 bn | -2.3% | 431st of 500 |
| Loan-to-deposit ratio | 89.43% | -1.70 pp | 201st of 500 |
| Net interest margin | 3.42% | +0.31 pp | 314th of 500 |
| Return on assets (ROA) | 1.24% | +0.18 pp | 281st of 500 |
| Efficiency ratio | 62.25% | -0.98 pp | 362nd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $10.8 mn | Narrowed by $6.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $24.9 mn | Narrowed by $4.3 mn | |
| Noncurrent loans to total loans | 1.55% | +0.79 pp | 430th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.18% | -0.03 pp | 332nd of 500 (1 = lowest) |
US rank of Cornerstone Bank (York, NE): 1 = highest unless marked 1 = lowest.
Balance sheet
Cornerstone Bank (York, NE): assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.3bn
- Net loans $2.1bn
Capital and securities
Cornerstone Bank (York, NE) uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 9.88% in . Equity capital of Cornerstone Bank (York, NE) at : $249.7 mn, or 9.1% of total assets.
On held-to-maturity securities, Cornerstone Bank (York, NE) carried an unrealized loss of $10.8 mn at , equal to 4.3% of equity capital. The loss narrowed by $6.5 mn over the year. Its deepest point: $25.4 mn in . The available-for-sale portfolio of Cornerstone Bank (York, NE) showed an unrealized loss of $24.9 mn at ; the loss narrowed by $4.3 mn over the year.
Cornerstone Bank (York, NE): capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 9.9%
Cornerstone Bank (York, NE): unrealized securities gains and losses
- Available for sale -$25mn
- Held to maturity -$11mn
Profitability and loan quality
For the year to , Cornerstone Bank (York, NE) earned a return on equity of 13.70%; return on assets: 1.24%. Net interest margin at Cornerstone Bank (York, NE): 3.42%, +0.31 pp in a year. Cornerstone Bank (York, NE) net income: $16.9 mn, up 12.7% year on year. The efficiency ratio of Cornerstone Bank (York, NE) was 62.25%: about 62 cents cost per revenue dollar, against 62 cents at the median peer.
At , noncurrent loans were 1.55% of total loans at Cornerstone Bank (York, NE); net charge-offs: 0.18% of average loans. Gross loans and leases at Cornerstone Bank (York, NE): $2.1 bn, down 2.3% in a year.
Cornerstone Bank (York, NE): profitability
- Return on equity 14%
- Net interest margin 3.4%
- Return on assets 1.2%
Peer group of Cornerstone Bank (York, NE)
The peer group of Cornerstone Bank (York, NE) is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Cornerstone Bank (York, NE) (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Nebraska. Against them, Cornerstone Bank (York, NE) shows return on equity 13.70% against a peer median of 11.69% and uninsured deposit share 34.04% against a peer median of 29.95%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Lead Bank | State nonmember bank | MO | $2.8 bn | 20.33% | 18.15% | 30.02% | |
| Open Bank | State nonmember bank | CA | $2.7 bn | 12.10% | 12.57% | 49.75% | |
| State Bank of Southern Utah | State nonmember bank | UT | $2.7 bn | not reported | 15.58% | 29.89% | |
| Cornerstone Bank | State member bank | NE | $2.7 bn | not reported | 13.70% | 34.04% | |
| Westfield Bank | Federal savings bank | MA | $2.7 bn | 12.47% | 7.94% | 30.10% | |
| Home Federal Bank of Tennessee | Federal savings bank | TN | $2.7 bn | not reported | 1.87% | 21.23% | |
| Pinnacle Bank | State nonmember bank | TX | $2.7 bn | 14.07% | 10.81% | 29.57% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cornerstone Bank (York, NE), to : assets -2.3%, deposits -3.8%, equity +17.6%. Staff 489 to 514; offices 49 to 50.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.8 bn | $2.6 bn | $2.7 bn |
| Total deposits | $2.4 bn | $2.4 bn | $2.4 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.3 bn |
| Bank equity capital | $212.4 mn | $208.3 mn | $218.4 mn | $226.9 mn | $235.6 mn | $243.2 mn | $245.0 mn | $249.7 mn |
| CET1 ratio | 10.24% | 10.16% | 10.39% | 10.73% | not reported | not reported | not reported | not reported |
| Return on equity (ROE) | 13.93% | 13.75% | 12.85% | 13.73% | 13.78% | 13.74% | 12.63% | 13.70% |
| Uninsured share of domestic deposits | 26.81% | 27.58% | 28.06% | 29.34% | 29.63% | 29.89% | 31.70% | 34.04% |
| Full-time equivalent employees | 489 | 508 | 508 | 499 | 507 | 510 | 501 | 514 |
| Number of offices | 49 | 50 | 50 | 50 | 50 | 50 | 50 | 50 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cornerstone Bank (York, NE), oldest first; figures before and after each event are not like for like.
- . Absorbed The Guide Rock State Bank (FDIC certificate 11469).
- . Absorbed The State Bank of Hildreth (FDIC certificate 13723).
- . Absorbed The Murray State Bank (FDIC certificate 10653).
- . Absorbed Franklin State Bank (FDIC certificate 11023).
- . Absorbed Security Home Bank (FDIC certificate 14639).
- . Absorbed The Tilden Bank (FDIC certificate 15774).
- . Absorbed Ashton State Bank (FDIC certificate 1436).
- . Absorbed Bank of Orchard (FDIC certificate 16905).
Questions and identifiers
What were the total assets of Cornerstone Bank (York, NE)?
Cornerstone Bank (York, NE) reported $2.7 bn at in its Call Report. That makes Cornerstone Bank (York, NE) the 463rd largest of 497 banks in our US coverage.
Is Cornerstone Bank (York, NE) the same as its holding company?
No. This page covers Cornerstone Bank (York, NE), FDIC certificate 5496; FIRST YORK BAN CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cornerstone Bank (York, NE) profitable?
Cornerstone Bank (York, NE) reported net income of $16.9 mn for the year to ; annualized return on equity: 13.70%. So yes: Cornerstone Bank (York, NE) made a profit over these months.
When is data for Cornerstone Bank (York, NE) next updated?
Figures from Cornerstone Bank (York, NE) for are due after .
Where can I check the figures for Cornerstone Bank (York, NE)?
In the FDIC BankFind Suite record for certificate 5496, and in the Call Reports of Cornerstone Bank (York, NE) (RSSD ID 403151) at the FFIEC Central Data Repository.