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.
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