CORNERSTONE BANK

SPENCER, MA | Large | Est. April 5, 1871, midnight | FDIC #90282 | RSSD #447100 | FED
Latest Report: 2025-12-31

CORNERSTONE BANK is aln large FDIC-insured commercial bank headquartered in SPENCER, MA, established in April 5, 1871, midnight. As of 2025-12-31, the bank reported total assets of $1.8B and total deposits of $1.4B. Profitability stands at 1.09% ROA and 12.45% ROE, with a net interest margin of 2.63%. The bank's CET1 capital ratio is 12.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 3.38%. FDIC Certificate #90282.

Assets

$1.8B

Deposits

$1.4B

Loans

$1.5B

Equity

$160M

Profitability

Return on Assets (ROA) 1.09%
Return on Equity (ROE) 12.45%
Net Interest Margin (NIM) 2.63%
Yield on Assets 4.96%
Cost of Funds 2.65%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio -0.01%
Texas Ratio 3.38%
NPA Ratio 0.31%
ACL / Loans 0.42%

Capital & Liquidity

CET1 Ratio 12.44%
Tier 1 Capital 12.44%
Total Capital Ratio 12.90%
Leverage Ratio 9.58%
Loan-to-Deposit 102.54%

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