CORNERSTONE BANK, THE

SOUTH WEST CITY, MO | Small | Est. Jan. 1, 1898, midnight | FDIC #9388 | RSSD #312356 | FDIC
Latest Report: 2025-12-31

CORNERSTONE BANK, THE is asn small FDIC-insured commercial bank headquartered in SOUTH WEST CITY, MO, established in Jan. 1, 1898, midnight. As of 2025-12-31, the bank reported total assets of $203M and total deposits of $176M. Profitability stands at 1.46% ROA and 12.04% ROE, with a net interest margin of 5.89%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.17% and a Texas Ratio of 7.08%. FDIC Certificate #9388.

Assets

$203M

Deposits

$176M

Loans

$162M

Equity

$24M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 12.04%
Net Interest Margin (NIM) 5.89%
Yield on Assets 8.17%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 1.17%
Net Charge-Off Ratio 0.41%
Texas Ratio 7.08%
NPA Ratio 0.94%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 12.62%
Leverage Ratio 12.25%
Loan-to-Deposit 91.72%

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