CORNERSTONE BANK

LEXINGTON, VA | Small | Est. Feb. 17, 2009, midnight | FDIC #58859 | RSSD #3816163 | FED
Latest Report: 2025-12-31

CORNERSTONE BANK is asn small FDIC-insured commercial bank headquartered in LEXINGTON, VA, established in Feb. 17, 2009, midnight. As of 2025-12-31, the bank reported total assets of $225M and total deposits of $192M. Profitability stands at 1.16% ROA and 11.05% ROE, with a net interest margin of 4.54%. The bank's CET1 capital ratio is 10.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.03% and a Texas Ratio of 7.20%. FDIC Certificate #58859.

Assets

$225M

Deposits

$192M

Loans

$178M

Equity

$24M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 11.05%
Net Interest Margin (NIM) 4.54%
Yield on Assets 6.29%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 1.03%
Net Charge-Off Ratio -0.03%
Texas Ratio 7.20%
NPA Ratio 0.81%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 10.51%
Tier 1 Capital 10.51%
Total Capital Ratio 11.04%
Leverage Ratio 10.39%
Loan-to-Deposit 92.56%

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