Cornerstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone Bank of Overland Park, KS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.33% | 1.25% | +0.08% | 53rd above |
| ROAE | 14.72% | 13.17% | +1.55% | 64th above |
| Net Interest Margin | 3.40% | 3.95% | -0.55% | 23rd bottom |
| Efficiency Ratio | 55.14% | 61.50% | -6.36% | 68th above |
| PPNR / Avg Assets | 1.54% | — | — | 46th below |
| Yield on Earning Assets | 6.16% | 5.67% | +0.49% | 75th top |
| Cost of Funds | 3.07% | 1.87% | +1.20% | 4th bottom |
| Net Interest Spread | 2.62% | — | — | 17th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.93% | -0.88% | 79th top |
| NPA / Total Assets | 0.04% | — | — | 79th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.15% | -0.07% | 21st bottom |
| ACL / Total Loans | 1.13% | — | — | 42nd below |
| ACL / NPLs (Coverage) | 2429.56% | — | — | — |
| Texas Ratio | 0.42% | 7.34% | -6.92% | 82nd top |
| Provision / NCO | 150.68% | — | — | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.16% | 11.75% | -2.59% | 14th bottom |
| Equity / Assets | 8.64% | 10.98% | -2.34% | 21st bottom |
| TCE / Tangible Assets | 8.64% | — | — | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 146.32% | 80.44% | +65.88% | 0th bottom |
| Core Deposit Ratio | 72.40% | 86.95% | -14.55% | 7th bottom |
| Wholesale Funding Ratio | 31.79% | — | — | 0th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.85% | — | — | 67th above |
| Loan Growth (Y/Y) | 6.05% | — | — | 54th above |
| Deposit Growth (Y/Y) | -8.64% | — | — | 3rd bottom |
See Cornerstone Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cornerstone Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cornerstone Bank peer analysis.