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 Lexington, VA 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 | 1.19% | 1.25% | -0.06% | 44th below |
| ROAE | 11.14% | 12.22% | -1.08% | 42nd below |
| Net Interest Margin | 4.73% | 3.95% | +0.78% | 86th top |
| Efficiency Ratio | 64.40% | 63.71% | +0.69% | 40th below |
| PPNR / Avg Assets | 1.74% | — | — | 58th above |
| Yield on Earning Assets | 6.22% | 5.67% | +0.55% | 78th top |
| Cost of Funds | 1.59% | 1.87% | -0.28% | 63rd above |
| Net Interest Spread | 4.04% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.87% | 0.88% | -0.01% | 32nd below |
| NPA / Total Assets | 0.69% | — | — | 30th below |
| NCO / Avg Loans | -0.03% | 0.15% | -0.18% | 92nd top |
| ACL / Total Loans | 1.08% | — | — | 37th below |
| ACL / NPLs (Coverage) | 125.33% | — | — | 34th below |
| Texas Ratio | 5.97% | 5.96% | +0.01% | 30th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.86% | 11.75% | -0.89% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.65% | 10.98% | -0.33% | 54th above |
| TCE / Tangible Assets | 10.65% | — | — | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.08% | 80.44% | +12.64% | 22nd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.07% | 86.95% | +1.12% | 44th below |
| Wholesale Funding Ratio | 3.44% | — | — | 51st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.95% | — | — | 46th below |
| Loan Growth (Y/Y) | 3.94% | — | — | 41st below |
| Deposit Growth (Y/Y) | 5.88% | — | — | 63rd above |
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.