CORNERSTONE BANK

CLARINDA, IA | Micro | Est. Jan. 1, 1897, midnight | FDIC #30067 | RSSD #843476 | FED
Latest Report: 2025-12-31

CORNERSTONE BANK is amn micro FDIC-insured commercial bank headquartered in CLARINDA, IA, established in Jan. 1, 1897, midnight. As of 2025-12-31, the bank reported total assets of $45M and total deposits of $37M. Profitability stands at 0.51% ROA and 3.62% ROE, with a net interest margin of 3.92%. The bank's CET1 capital ratio is 31.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 1.94%. FDIC Certificate #30067.

Assets

$45M

Deposits

$37M

Loans

$27M

Equity

$6M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 3.62%
Net Interest Margin (NIM) 3.92%
Yield on Assets 5.94%
Cost of Funds 2.70%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.16%
Texas Ratio 1.94%
NPA Ratio 0.30%
ACL / Loans 1.46%

Capital & Liquidity

CET1 Ratio 31.15%
Tier 1 Capital 31.15%
Total Capital Ratio 32.41%
Leverage Ratio 14.34%
Loan-to-Deposit 72.32%

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