Cornerstone Capital Bank, SSB
Cornerstone Capital Bank, SSB reported total assets of $3.7 bn at Q2 2026, up 59.4% on a year earlier, the 350th largest of 497 banks in our US coverage. Cornerstone Capital Bank, SSB uses the community bank leverage ratio framework, with a leverage ratio of 10.26%. Cornerstone Capital Bank, SSB held deposits of $2.4 bn. Source: FDIC Call Reports.
Key takeaways
- On total assets, Cornerstone Capital Bank, SSB climbed from 514th to 350th among 497 US banks between and (1 = highest; FDIC Call Reports).
- Cornerstone Capital Bank, SSB reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: 0.11% at , where the median of the 339 banks is 1.32% (FDIC Call Reports).
- At 88.46%, the efficiency ratio of Cornerstone Capital Bank, SSB sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 56.87% (FDIC Call Reports).
What sets Cornerstone Capital Bank, SSB apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than Cornerstone Capital Bank, SSB, at 1.00% in ; the group median is 12.68%.
- Cornerstone Capital Bank, SSB has one of the highest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 3.62% at , against a median of 0.58% across 339 banks.
- Since , Cornerstone Capital Bank, SSB has taken over one institution; the latest was Peoples Bank on .
How large is Cornerstone Capital Bank, SSB?
The balance sheet of Cornerstone Capital Bank, SSB at : assets $3.7 bn, deposits $2.4 bn, net loans $2.6 bn (loans equal to 109.34% of deposits). Securities make up 6.5% of total assets at Cornerstone Capital Bank, SSB. Since , when Cornerstone Capital Bank, SSB held $153.5 mn, its assets grew 2,288.6%. In the year to , deposits at Cornerstone Capital Bank, SSB rose 59.8% while its total assets rose 59.4%. At , Cornerstone Capital Bank, SSB employed 1,571 full-time equivalent staff across 19 offices, about $2.3 mn of assets per employee and $124.7 mn of deposits per office.
How much funding at Cornerstone Capital Bank, SSB is uninsured?
At Cornerstone Capital Bank, SSB, uninsured deposits (above the FDIC limit) made up 25.72% of domestic deposits at (+2.37 pp on a year earlier); Cornerstone Capital Bank, SSB ranks 370th of 500 on this measure. In dollars, Cornerstone Capital Bank, SSB estimated $609.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +59.8% | 447th of 499 |
| Net loans and leases | $2.6 bn | +67.4% | 355th of 500 |
| Loan-to-deposit ratio | 109.34% | +4.99 pp | 21st of 500 |
| Net interest margin | 2.95% | +0.70 pp | 410th of 500 |
| Return on assets (ROA) | 0.11% | -0.81 pp | 493rd of 500 |
| Efficiency ratio | 88.46% | +5.38 pp | 494th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $2.0 mn | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 3.62% | +0.98 pp | 487th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | +0.08 pp | 239th of 500 (1 = lowest) |
US rank of Cornerstone Capital Bank, SSB: 1 = highest unless marked 1 = lowest.
Balance sheet
Cornerstone Capital Bank, SSB: assets, deposits and loans
- Total assets $3.7bn
- Deposits $2.4bn
- Net loans $2.6bn
Capital and securities
Cornerstone Capital Bank, SSB uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.26% in . Equity capital of Cornerstone Capital Bank, SSB at : $395.3 mn, or 10.8% of total assets.
The available-for-sale portfolio of Cornerstone Capital Bank, SSB showed an unrealized loss of $2.0 mn at ; the loss turned from a gain into a loss over the year.
Cornerstone Capital Bank, SSB: capital ratios
- Total capital 17%
- CET1 15%
- Tier 1 leverage 10%
Cornerstone Capital Bank, SSB: unrealized securities gains and losses
- Available for sale -$2mn
- Held to maturity $0
Profitability and loan quality
For the year to , Cornerstone Capital Bank, SSB earned a return on equity of 1.00%; return on assets: 0.11%. Net interest margin at Cornerstone Capital Bank, SSB: 2.95%, +0.70 pp in a year. Cornerstone Capital Bank, SSB net income: $1.9 mn, down 82.5% year on year. The efficiency ratio of Cornerstone Capital Bank, SSB was 88.46%: about 88 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 3.62% of total loans at Cornerstone Capital Bank, SSB; net charge-offs: 0.08% of average loans. Gross loans and leases at Cornerstone Capital Bank, SSB: $2.6 bn, up 67.5% in a year.
Cornerstone Capital Bank, SSB: profitability
- Return on equity 1.0%
- Net interest margin 3.0%
- Return on assets 0.1%
Peer group of Cornerstone Capital Bank, SSB
The peer group of Cornerstone Capital Bank, SSB 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 Capital Bank, SSB (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Texas. Against them, Cornerstone Capital Bank, SSB shows return on equity 1.00% against a peer median of 14.14% and uninsured deposit share 25.72% against a peer median of 31.48%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| D. L. Evans Bank | State nonmember bank | ID | $3.7 bn | not reported | 14.79% | 30.15% | |
| Macatawa Bank | National bank | MI | $3.7 bn | 11.37% | 11.42% | 37.25% | |
| St. Charles Bank & Trust Company | National bank | IL | $3.7 bn | 11.07% | 14.34% | 31.17% | |
| Cornerstone Capital Bank, SSB | State-chartered stock savings bank | TX | $3.7 bn | not reported | 1.00% | 25.72% | |
| Frandsen Bank & Trust | State member bank | MN | $3.7 bn | 13.89% | 15.71% | 31.80% | |
| Parkway Bank and Trust Company | State nonmember bank | IL | $3.7 bn | 12.59% | 10.61% | 13.20% | |
| First PREMIER Bank | State member bank | SD | $3.6 bn | 19.95% | 13.94% | 56.10% | |
. FDIC Call Reports.
Last eight quarters
Two years at Cornerstone Capital Bank, SSB, to : assets +39.9%, deposits +49.9%, equity +19.3%. Staff 1,410 to 1,571; offices 6 to 19.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.6 bn | $2.3 bn | $2.4 bn | $2.3 bn | $2.3 bn | $2.5 bn | $3.8 bn | $3.7 bn |
| Total deposits | $1.6 bn | $1.4 bn | $1.5 bn | $1.5 bn | $1.4 bn | $1.3 bn | $2.6 bn | $2.4 bn |
| Bank equity capital | $331.2 mn | $332.6 mn | $331.2 mn | $334.0 mn | $338.6 mn | $339.9 mn | $395.8 mn | $395.3 mn |
| CET1 ratio | 26.08% | 24.08% | 24.17% | 21.97% | 22.40% | 19.25% | 14.57% | not reported |
| Return on equity (ROE) | 6.07% | 5.45% | 8.83% | 6.48% | 5.85% | 4.81% | -3.56% | 1.00% |
| Uninsured share of domestic deposits | 19.71% | 22.00% | 26.03% | 23.35% | 18.99% | 21.95% | 25.28% | 25.72% |
| Full-time equivalent employees | 1,410 | 1,417 | 1,401 | 1,400 | 1,388 | 1,388 | 1,569 | 1,571 |
| Number of offices | 6 | 7 | 7 | 7 | 7 | 7 | 19 | 19 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Cornerstone Capital Bank, SSB, oldest first; figures before and after each event are not like for like.
- . Absorbed Peoples Bank (FDIC certificate 19788).
Large one-quarter moves at Cornerstone Capital Bank, SSB
- Total assets at Cornerstone Capital Bank, SSB changed by +27.0% in the quarter to 2022-09-30, with no FDIC structure event in that quarter.
- Total assets at Cornerstone Capital Bank, SSB changed by +612.8% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
- Total assets at Cornerstone Capital Bank, SSB changed by +53.8% in the quarter to 2026-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Peoples Bank.
Questions and identifiers
What were the total assets of Cornerstone Capital Bank, SSB?
Cornerstone Capital Bank, SSB reported $3.7 bn at in its Call Report. That makes Cornerstone Capital Bank, SSB the 350th largest of 497 banks in our US coverage.
Is Cornerstone Capital Bank, SSB the same as its holding company?
No. This page covers Cornerstone Capital Bank, SSB, FDIC certificate 1213; CORNERSTONE CAPITAL BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Cornerstone Capital Bank, SSB profitable?
Cornerstone Capital Bank, SSB reported net income of $1.9 mn for the year to ; annualized return on equity: 1.00%. So yes: Cornerstone Capital Bank, SSB made a profit over these months.
When is data for Cornerstone Capital Bank, SSB next updated?
Figures from Cornerstone Capital Bank, SSB for are due after .
Where can I check the figures for Cornerstone Capital Bank, SSB?
In the FDIC BankFind Suite record for certificate 1213, and in the Call Reports of Cornerstone Capital Bank, SSB (RSSD ID 2891622) at the FFIEC Central Data Repository.