Cornerstone Bank (Overland Park, KS)
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone Bank is an FDIC-insured commercial bank headquartered in Overland Park, KS, established in 2001 (FDIC certificate 57250), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $504.9M, up 6.8% from Q2 2025, the 42nd largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.16% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57250
- Headquarters
- Overland Park, KS
- Established
- 2001
- Total assets, Q2 2026
- $504.9M
- Assets vs Q2 2025
- +6.8%
- Tier 1 leverage ratio, Q2 2026
- 9.16%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101014953
- Holding company
- CORNERSTONE BANCSHARES, INC.
- Asset rank in state
- 42nd of 182 in Kansas
Cornerstone Bank pays more for its money than most banks of its size. Its balance sheet stood at $505 million at June 30, 2026, up 6.8% from a year earlier; it is based in Overland Park, Kansas. It pays an average of 3.07% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 4.4 times its capital, 3.7 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 55% above the same quarter a year earlier. Over the same year, loans grew 6.1% and deposits shrank 8.6%. Where it has less room is capital: it funds 9.16% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Cornerstone Bank reported a return on assets of 1.33%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.42%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cornerstone Bank is the 42nd largest of the 182 banks headquartered in Kansas. Between Q1 2026 and Q2 2026, its total assets rose 5.8% to $504.9M, loans rose 0.3% and deposits fell 8.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.2%. The FDIC Summary of Deposits lists a single office for it, in Overland Park, KS. On its Q2 2026 call report, Cornerstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 9120 W 135th St, Overland Park, KS 66221
- County
- Johnson
- Metro Area
- Kansas City, MO-KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 26, 2001
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $298.4M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $73K
- Average total assets
- $484.6M
- Average total loans
- $434.2M
- Average interest-bearing deposits
- $241.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 26, 2001
- FDIC Cert
- 57250
- Fed RSSD
- 3027763
- Website
- WWW.CORNERSTONEBK.COM →
- Parent Holding Company
- CORNERSTONE BANCSHARES, INC. (RSSD 3027754)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cornerstone Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Cornerstone Bank's total assets moved between a low of $412.3M (Q3 2023) and a high of $504.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$504.9M total assets against $472.6M; $461.3M total liabilities against $432.1M.
$431.7M net loans and leases against $406.9M; $298.4M total deposits against $326.6M.
$25.2M securities against $21.2M; $36.0M cash and balances due against $35.3M.
$7.5M total interest income against $6.6M; $3.3M total interest expense against $3.5M.
$4.1M net interest income against $3.0M.
$55K total noninterest income against $74K; $2.3M total noninterest expense against $1.9M.
$155K provision for credit losses against $150K.
$1.6M net income against $1.0M.
1.33% return on assets against 0.92%; 3.40% net interest margin against 2.70%.
9.16% tier 1 leverage ratio against 9.14%.
Inside the full Cornerstone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Cornerstone Bank rankings
Its closest position to the top of a national ranking is 1,271 of 3,606, for efficiency ratio; its furthest is 3,010 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.65% (Q1 2026) and its net interest margin ran from 2.11% (Q3 2024) to 3.40% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.16% | 1.33% | 0.05% | 0.42% | 3.40% |
| Q1 2026 | 9.00% | 1.65% | 0.07% | 0.61% | 3.17% |
| Q4 2025 | 8.91% | 1.36% | 0.11% | 1.05% | 3.11% |
| Q3 2025 | 9.06% | 1.14% | 0.12% | 1.06% | 3.01% |
| Q2 2025 | 9.14% | 0.92% | 0.16% | 1.46% | 2.70% |
| Q1 2025 | 8.90% | 0.75% | 0.17% | 1.50% | 2.45% |
| Q4 2024 | 9.14% | 1.27% | 0.00% | 0.00% | 2.43% |
| Q3 2024 | 9.14% | 0.65% | 0.00% | 0.00% | 2.11% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Bank (main office) | Overland Park , KS | 66221 | $298.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 75 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 97 applications, 89 loans originated, $51.7M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $225K approved, $225K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cornerstone Bank
What are Cornerstone Bank's total assets?
As of the Q2 2026 filing, Cornerstone Bank reported total assets of $504.9 million in its FFIEC call report.
Where is Cornerstone Bank headquartered?
It is headquartered in Overland Park, KS, United States.
When was Cornerstone Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Cornerstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57250). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Bank?
Cornerstone Bank's primary federal regulator is the FDIC.
How many branches does Cornerstone Bank operate?
It 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 Bank's Texas Ratio?
Its Texas Ratio is 0.42% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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