Cornerstone Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone Community Bank carries far more capital than most banks of its size. The Owensboro, Kentucky bank had $44 million in assets at June 30, 2026. It holds common equity equal to 220.54% of its risk-weighted assets, 10.0 times the median of 22.08% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
As of June 30, 2026, Cornerstone Community Bank reported a CET1 capital ratio of 220.54%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1819 Frederica St, Owensboro, KY 42301
- County
- Daviess
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 2026
- Offices
- 1 domestic
- Employees (FTE)
- 10
- Domestic deposits
- $19.9M
- Allowance for credit losses
- $30K
- Net charge-offs (YTD)
- $0
- Average total assets
- $8.9M
- Average total loans
- $187K
- Average interest-bearing deposits
- $2.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 2026
- FDIC Cert
- 59379
- Fed RSSD
- 6152572
- Website
- ourccbank.com →
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Inside the full Cornerstone Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cornerstone Community Bank, freeCornerstone Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Community Bank (main office) | Owensboro , KY | 42301 | $19.9M |
Regulatory record
What the public regulatory sources show for Cornerstone Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in KY, rank 150 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cornerstone Community Bank
What are Cornerstone Community Bank's total assets?
As of the Q2 2026 filing, Cornerstone Community Bank reported total assets of $44.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cornerstone Community Bank headquartered?
Cornerstone Community Bank is headquartered in Owensboro, KY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cornerstone Community Bank founded?
Cornerstone Community Bank was established in 2026, per the FDIC institution directory.
Is Cornerstone Community Bank FDIC-insured?
Yes. Cornerstone Community Bank is an FDIC-insured commercial bank (FDIC Certificate #59379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Community Bank?
Cornerstone Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Cornerstone Community Bank's CET1 capital ratio?
Cornerstone Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 220.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Cornerstone Community Bank operate?
Cornerstone Community Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone Community Bank's Texas Ratio?
Cornerstone Community Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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