Cornerstone Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 13.32 percentage points in Q2 2026, from 133.00% to 146.32%. It was the largest change from Q1 2026 among the key lines here. Cornerstone Bank has the highest loan-to-deposit ratio of the 182 banks headquartered in Kansas, 146.32% as of Q2 2026. Against a median of 80.55% for banks in the $100M-1B asset tier, Cornerstone Bank reported 146.32% on loan-to-deposit ratio in Q2 2026, 65.76 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $436.6M |
| Net loans and leases | $431.7M |
| Loans held for sale | $0 |
| Loans to total assets | 86.47% |
| Loan-to-deposit ratio | 146.32% |
| Net loans to equity capital | 9.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.35% |
| Multifamily (5+ residential) | 19.43% |
| Commercial and industrial | 4.46% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 438.24% |
| Construction concentration (Tier 1 capital + allowance) | 34.34% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.28% |
| Interest income on loans | $6.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $358.4M | $275.3M | 38.60% | 6.54% | 0.26% |
| Q4 2023 | $367.9M | $317.9M | 36.74% | 6.41% | 0.25% |
| Q1 2024 | $370.1M | $298.5M | 36.60% | 5.29% | 0.26% |
| Q2 2024 | $379.5M | $280.4M | 37.05% | 4.66% | 0.25% |
| Q3 2024 | $383.5M | $350.5M | 37.19% | 5.29% | 0.22% |
| Q4 2024 | $399.8M | $329.7M | 37.45% | 5.43% | 0.38% |
| Q1 2025 | $399.9M | $363.4M | 38.64% | 5.00% | 0.29% |
| Q2 2025 | $411.7M | $326.6M | 38.49% | 4.49% | 0.10% |
| Q3 2025 | $421.4M | $329.0M | 41.82% | 4.43% | 0.11% |
| Q4 2025 | $441.5M | $327.8M | 41.62% | 4.58% | 0.17% |
| Q1 2026 | $435.4M | $327.4M | 43.16% | 4.51% | 0.23% |
| Q2 2026 | $436.6M | $298.4M | 43.35% | 4.46% | 0.29% |
Cornerstone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57250) · FFIEC NIC profile (RSSD 3027763)