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.
CRE concentration (Tier 1 capital + allowance) dropped 11.72 percentage points in Q2 2026, from 243.99% to 232.27%. It was the largest change from Q1 2026 among the key lines here. Cornerstone Bank ranks 16th of 56 Virginia banks on loan-to-deposit ratio, in the upper half at 93.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Cornerstone Bank sits 12.53 points higher, at 93.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $184.8M |
| Net loans and leases | $182.8M |
| Loans held for sale | $0 |
| Loans to total assets | 79.40% |
| Loan-to-deposit ratio | 93.08% |
| Net loans to equity capital | 7.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.88% |
| Multifamily (5+ residential) | 6.20% |
| Commercial and industrial | 6.61% |
| Consumer | 5.89% |
| Credit cards | 0.00% |
| Farm | 3.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.27% |
| Construction concentration (Tier 1 capital + allowance) | 40.95% |
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 | 6.73% |
| Interest income on loans | $3.1M |
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 | $166.6M | $177.7M | 33.45% | 13.82% | 1.70% |
| Q4 2023 | $164.7M | $179.6M | 32.29% | 13.20% | 1.82% |
| Q1 2024 | $166.2M | $178.1M | 31.97% | 12.57% | 3.32% |
| Q2 2024 | $170.1M | $186.9M | 32.00% | 12.13% | 4.44% |
| Q3 2024 | $170.2M | $188.6M | 31.82% | 10.89% | 5.64% |
| Q4 2024 | $172.5M | $187.6M | 33.00% | 10.40% | 5.57% |
| Q1 2025 | $172.6M | $185.7M | 33.15% | 9.86% | 6.03% |
| Q2 2025 | $177.8M | $187.5M | 32.63% | 9.48% | 6.11% |
| Q3 2025 | $180.9M | $189.1M | 32.03% | 9.61% | 5.77% |
| Q4 2025 | $177.8M | $192.1M | 32.66% | 7.41% | 6.58% |
| Q1 2026 | $184.0M | $194.3M | 31.89% | 7.02% | 6.44% |
| Q2 2026 | $184.8M | $198.6M | 31.88% | 6.61% | 5.89% |
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 58859) · FFIEC NIC profile (RSSD 3816163)