CORNERSTONE NATIONAL BANK & TRUST COMPANY
CORNERSTONE NATIONAL BANK & TRUST COMPANY is an FDIC-insured commercial bank headquartered in PALATINE, IL, established in 2000. As of , the bank reported total assets of $1.0B and total deposits of $925M. Profitability stands at 1.26% ROA and 12.63% ROE, with a net interest margin of 3.89%. CET1 capital ratio: 12.04%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.38%. Operates 5 domestic branches.
Capital & Liquidity
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Cornerstone National Bank & Trust Company rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.04% | 1.26% | 0.06% | 0.38% | 3.89% |
| 2025-09-30 | 12.75% | 1.24% | 0.09% | 0.60% | 3.93% |
| 2025-06-30 | 13.00% | 1.19% | 0.10% | 0.63% | 3.74% |
| 2025-03-31 | 13.18% | 0.92% | 0.12% | 0.72% | 3.55% |
| 2024-12-31 | 13.43% | 1.29% | 0.10% | 0.60% | 3.47% |
| 2024-09-30 | 12.94% | 1.16% | 0.14% | 0.86% | 3.57% |
| 2024-06-30 | 12.55% | 0.92% | 0.15% | 0.93% | 3.62% |
| 2024-03-31 | 12.73% | 0.99% | 0.15% | 0.99% | 3.50% |
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Frequently asked about CORNERSTONE NATIONAL BANK & TRUST COMPANY
What are Cornerstone National Bank & Trust Company's total assets?
As of the Q4 2025 filing, Cornerstone National Bank & Trust Company reported total assets of $1.03 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cornerstone National Bank & Trust Company headquartered?
Cornerstone National Bank & Trust Company is headquartered in PALATINE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Cornerstone National Bank & Trust Company founded?
Cornerstone National Bank & Trust Company was established in 2000, per the FDIC institution directory.
Is Cornerstone National Bank & Trust Company FDIC-insured?
Yes. Cornerstone National Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #57061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone National Bank & Trust Company?
Cornerstone National Bank & Trust Company's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cornerstone National Bank & Trust Company's CET1 capital ratio?
Cornerstone National Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.04% in its most recent quarterly filing — above regulatory minimums.
How many branches does Cornerstone National Bank & Trust Company operate?
Cornerstone National Bank & Trust Company operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Cornerstone National Bank & Trust Company's Texas Ratio?
Cornerstone National Bank & Trust Company's Texas Ratio is 0.38% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.