BanksCORNERSTONE BANK

CORNERSTONE BANK

SPENCER, MALargeEst. April 5, 1871, midnightFDIC #90282RSSD #447100FED
Latest · 2025-12-31

CORNERSTONE BANK is an 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%. CET1 capital ratio: 12.44%, well above regulatory minimums. NPL ratio: 0.39% · Texas Ratio: 3.38%. Operates 12 domestic branches.

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 Margin2.63%
Yield on Assets4.96%
Cost of Funds2.39%

Asset Quality

NPL Ratio0.39%
Net Charge-Off Ratio-0.01%
Texas Ratio3.38%
NPA Ratio0.31%
ACL / Loans0.42%

Capital & Liquidity

CET1 Ratio12.44%
Tier 1 Capital12.44%
Total Capital Ratio12.90%
Leverage Ratio9.58%
Loan-to-Deposit102.54%

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