Cornerstone Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.69 percentage points in Q2 2026, from 122.63% to 125.33%. It was the largest change from Q1 2026 among the key lines here. Cornerstone Bank ranks 33rd of 56 Virginia banks on return on assets, in the lower half at 1.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Cornerstone Bank sits 0.07 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.86% |
| Equity capital to assets | 10.65% |
| Tangible equity to tangible assets | 10.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 5.97% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 125.33% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 11.14% |
| Net interest margin | 4.73% |
| Efficiency ratio | 64.40% |
| Yield on earning assets | 6.22% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.08% |
| Core deposits to total deposits | 88.07% |
| Brokered deposits to total deposits | 0.51% |
| Deposits to assets | 85.30% |
| Securities to assets | 7.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.04% | 0.73% | 3.46% | 0.42% | -0.03% |
| Q4 2023 | 10.11% | 2.06% | 3.39% | 0.58% | -0.04% |
| Q1 2024 | 10.24% | 0.62% | 3.41% | 0.41% | -0.02% |
| Q2 2024 | 10.36% | 0.81% | 3.60% | 0.55% | 0.03% |
| Q3 2024 | 10.11% | 0.70% | 3.53% | 1.18% | -0.05% |
| Q4 2024 | 9.99% | 0.80% | 3.55% | 1.12% | 0.01% |
| Q1 2025 | 10.29% | 0.78% | 3.65% | 1.20% | -0.02% |
| Q2 2025 | 10.49% | 0.90% | 3.84% | 1.05% | -0.04% |
| Q3 2025 | 10.64% | 0.98% | 4.16% | 1.31% | -0.03% |
| Q4 2025 | 10.39% | 1.15% | 4.40% | 1.13% | -0.03% |
| Q1 2026 | 10.69% | 1.23% | 4.52% | 0.82% | -0.02% |
| Q2 2026 | 10.86% | 1.19% | 4.73% | 0.87% | -0.03% |
Cornerstone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)