Bank call report · Lexington, VA
Cornerstone Bank Call Report
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Cornerstone Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 264 reported line items, schedule by schedule (418 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3816163 |
| FDIC certificate number | 58859 |
| Total assets | $232.8M |
Official Q2 2026 call report PDF (FFIEC) →
Cornerstone Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Cornerstone Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $232.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $232.8M |
| Total Liabilities and Minority Interest | RCON2948 | $208.0M |
| Total Deposits | RCON2200 | $198.6M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $184.8M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $182.8M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $139.4M |
| Deposits: Noninterest-bearing | RCON6631 | $59.1M |
| Total Equity Capital | RCON3210 | $24.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $24.8M |
| Interest-bearing Balances | RCON0071 | $14.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $13.6M |
| Held-to-maturity Securities, Total | RCON1754 | $13.5M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $13.4M |
| Other Assets | RCON2160 | $8.4M |
| Other Borrowed Money | RCON3190 | $8.0M |
| Surplus | RCON3839 | $5.8M |
| Common Stock | RCON3230 | $5.4M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $4.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $4.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.1M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.0M |
| Other Liabilities, Total | RCON2930 | $1.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$26K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Cornerstone Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $6.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $6.1M |
| Net Interest Income | RIAD4074 | $5.0M |
| Total Noninterest Expense | RIAD4093 | $3.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.4M |
| Salaries and Employee Benefits | RIAD4135 | $1.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.7M |
| Total Interest Expense | RIAD4073 | $1.6M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $1.4M |
| Net Income (Loss) | RIAD4340 | $1.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $1.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $620K |
| Total Noninterest Income | RIAD4079 | $547K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $507K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $491K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $426K |
| Other Noninterest Income | RIADB497 | $358K |
| Applicable Income Taxes | RIAD4302 | $324K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $315K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $297K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $206K |
| Provision for Loan and Lease Losses | RIAD4230 | $191K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $189K |
| Other Interest Expense | RIADGW44 | $164K |
| Interest on Other Securities | RIAD4060 | $129K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $127K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $111K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $73K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $69K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $69K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $56K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $50K |
| Other Interest Income | RIAD4518 | $34K |
| Noninterest income: Income from insurance activities | RIADHT74 | $5K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 37 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Cornerstone Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Securities | RCON0416 | $13.2M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $12.8M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $7.2M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $6.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $6.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $4.8M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $4.2M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $4.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.6M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $3.1M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.9M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $2.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $1.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $1.9M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $1.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $1.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.1M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $1.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $976K |
Schedule RC-C, Part I: Loans and Leases (35 items)
About Schedule RC-C, Part I · Cornerstone Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $184.8M |
| Pledged Loans and Leases | RCONG378 | $87.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $59.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $57.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $40.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $39.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $30.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $23.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $23.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $23.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $20.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $19.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $12.3M |
| Commercial and Industrial Loans | RCON1766 | $12.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $11.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $10.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $10.1M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $9.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $8.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $5.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $4.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.6M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $2.4M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $992K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $905K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $736K |
| Unearned Income on Loans | RCON2123 | $373K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $247K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $119K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $106K |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $85K |
| Other Loans | RCONJ464 | $26K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $24.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $4.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $684K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $614K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $80K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 92 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 61 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 33 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 21 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
Schedule RC-E: Deposit Liabilities (27 items)
About Schedule RC-E · Cornerstone Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $111.6M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $97.7M |
| Total Transaction Accounts | RCON2215 | $87.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $72.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $59.1M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $35.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $35.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $22.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $22.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $20.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $19.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $17.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $16.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $15.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $14.1M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $13.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $11.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $10.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.3M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.2M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $1.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $1.0M |
| Total Brokered Deposits | RCON2365 | $1.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $628K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $577K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $152K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $5.8M |
| Accrued Interest Receivable | RCONB556 | $952K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $878K |
| Net Deferred Tax Assets | RCON2148 | $400K |
| Other Assets | RCON2168 | $381K |
| Prepaid Expenses | RCON2166 | $341K |
| Computer Software | RCONFT33 | $38K |
| Accounts Receivable | RCONFT34 | $2K |
Schedule RC-G: Other Liabilities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.1M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $431K |
| Third Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3554 | $380K |
| Other Expenses Accrued and Unpaid | RCON3646 | $240K |
| Deferred Compensation Liabilities | RCONC011 | $156K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $117K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $98K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $20K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Cornerstone Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $228.6M |
| Quarterly Average of Total Loans | RCON3360 | $184.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $86.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $73.7M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $52.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $37.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $24.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $22.8M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $12.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $12.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $11.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $10.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $8.0M |
| All Other Securities | RCONB560 | $4.2M |
| Mortgage-backed Securities | RCONB559 | $3.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Cornerstone Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $11.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $7.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $5.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $4.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.1M |
| Performance Standby Letters of Credit | RCON3821 | $36K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Cornerstone Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $8.1M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $4.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $4.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $4.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Cornerstone Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $955K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $582K |
| Additions to Nonaccrual Assets | RCONC410 | $243K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $123K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $119K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $111K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $111K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $90K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Cornerstone Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $228.6M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $198.7M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $108.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $85.6M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $24.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $630K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,768 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 157 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 133 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (18 items)
About Schedule RC-R, Part I · Cornerstone Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $232.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $228.6M |
| Average total consolidated assets | RCOAKW03 | $228.6M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $30.3M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $30.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $24.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $24.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $24.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $24.8M |
| Retained Earnings | RCOAKW00 | $13.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.2M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $36K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$26K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$26K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1302 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1086 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $24.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $23.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $23.6M |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$200K |
| Other Comprehensive Income | RIADB511 | -$32K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Cornerstone Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $29K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $20K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $7K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $6K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $6K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (6 items)
About Schedule RI-B, Part II · Cornerstone Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $2.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.8M |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $84K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $69K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | $15K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $6K |
Cornerstone Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Cornerstone Bank call report?
The Cornerstone Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cornerstone Bank file?
Cornerstone Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cornerstone Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cornerstone Bank has Federal Reserve RSSD ID 3816163 and FDIC certificate number 58859. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cornerstone Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cornerstone Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58859) · FFIEC NIC profile (RSSD 3816163)