CORNERSTONE CAPITAL BANK, SSB

HOUSTON, TX | Large | Est. Dec. 6, 1906, midnight | FDIC #1213 | RSSD #2891622 | FDIC
Latest Report: 2025-12-31

CORNERSTONE CAPITAL BANK, SSB is aln large FDIC-insured commercial bank headquartered in HOUSTON, TX, established in Dec. 6, 1906, midnight. As of 2025-12-31, the bank reported total assets of $2.5B and total deposits of $1.3B. Profitability stands at 0.25% ROA and 1.72% ROE, with a net interest margin of 2.26%. The bank's CET1 capital ratio is 19.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 7.58%. FDIC Certificate #1213.

Assets

$2.5B

Deposits

$1.3B

Loans

$1.7B

Equity

$340M

Profitability

Return on Assets (ROA) 0.25%
Return on Equity (ROE) 1.72%
Net Interest Margin (NIM) 2.26%
Yield on Assets 5.04%
Cost of Funds 4.12%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.58%
NPA Ratio 1.07%
ACL / Loans 0.54%

Capital & Liquidity

CET1 Ratio 19.25%
Tier 1 Capital 21.18%
Total Capital Ratio 21.76%
Leverage Ratio 15.08%
Loan-to-Deposit 131.74%

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