Cornerstone Bank (York, NE)
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone Bank is an FDIC-insured commercial bank headquartered in York, NE, established in 1882 (FDIC certificate 5496), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.73B, down 2.2% from Q2 2025, the 4th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 5496
- Headquarters
- York, NE
- Established
- 1882
- Total assets, Q2 2026
- $2.73B
- Assets vs Q2 2025
- -2.2%
- Tier 1 leverage ratio, Q2 2026
- 9.88%
- Domestic offices
- 50 FDIC institution directory, current count
- Routing number
- 104900349
- Latest call report
- Q2 2026, FFIEC 041 · Cornerstone Bank call report
- Holding company
- FIRST YORK BAN CORP.
- Asset rank in state
- 4th of 138 in Nebraska
Problem loans are rising at Cornerstone Bank. The York, Nebraska bank had $2.7 billion in assets at June 30, 2026, down 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.55% of loans from 0.75% a year earlier. It shrank its loan book 2.3% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also carries problem assets equal to 12.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $9.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $36 million equal 13% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, Cornerstone Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 12.15%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Cornerstone Bank is the 4th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $2.73B, loans rose 3.9% and deposits fell 3.0%. Agricultural production loans made up 22.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 15.3%. The FDIC Summary of Deposits lists 48 offices for it, in 39 cities in NE; its York 5 offices book 37% of its branch deposits. On its Q2 2026 call report, Cornerstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 529 N Lincoln Ave, York, NE 68467
- County
- York
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 22, 1882
- Former names
- Cornerstone Bank, National Association (1997-2006)
- Domestic offices
- 50 FDIC institution directory, current count
- Employees (FTE)
- 514
- Domestic deposits
- $2.31B
- Allowance for credit losses
- $24.1M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $2.71B
- Average total loans
- $2.07B
- Average interest-bearing deposits
- $2.02B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5496
- Fed RSSD
- 403151
- Website
- www.cornerstoneconnect.com →
- Parent Holding Company
- FIRST YORK BAN CORP. (RSSD 1050646)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Cornerstone Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cornerstone Bank's total assets ran between $2.53B (Q3 2023) and $2.83B (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.73B total assets against $2.79B; $2.48B total liabilities against $2.56B.
$2.07B net loans and leases against $2.12B; $2.31B total deposits against $2.32B.
$481.1M securities against $485.2M; $87.5M cash and balances due against $88.1M.
$35.8M total interest income against $38.3M; $13.7M total interest expense against $17.4M.
$22.1M net interest income against $20.9M.
$5.4M total noninterest income against $5.2M; $17.3M total noninterest expense against $16.6M.
$1.2M provision for credit losses against $1.2M.
$9.1M net income against $8.1M.
1.35% return on assets against 1.16%; 3.45% net interest margin against 3.15%.
9.88% tier 1 leverage ratio against 8.85%.
Inside the full Cornerstone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCornerstone Bank rankings
Its closest position to the top of a national ranking is 461 of 4,196, for total assets; its furthest is 1,864 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q3 2024) to 1.35% (Q2 2026) and its net interest margin ran from 2.83% (Q3 2024) to 3.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.35% | 1.55% | 12.15% | 3.45% |
| Q1 2026 | 9.72% | 1.14% | 0.61% | 4.65% | 3.39% |
| Q4 2025 | 9.39% | 1.18% | 0.46% | 3.74% | 3.32% |
| Q3 2025 | 9.05% | 1.15% | 1.44% | 12.19% | 3.27% |
| Q2 2025 | 8.85% | 1.16% | 0.75% | 6.68% | 3.15% |
| Q1 2025 | 8.61% | 0.98% | 0.35% | 3.29% | 3.02% |
| Q4 2024 | 8.46% | 0.97% | 0.37% | 3.57% | 2.87% |
| Q3 2024 | 8.41% | 0.92% | 0.44% | 4.11% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 48 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Bank (main office) | York , NE | 68467 | $850.9M |
| The Albion National Bank Branch | Albion , NE | 68620 | $116.3M |
| Aurora Branch | Aurora , NE | 68818 | $80.1M |
| Stromsburg Branch | Stromsburg , NE | 68666 | $74.3M |
| Sutton Branch | Sutton , NE | 68979 | $73.3M |
| Geneva Branch | Geneva , NE | 68361 | $68.6M |
| Central City Branch | Central City , NE | 68826 | $57.9M |
| 810 North Diers Aveneu Branch | Grand Island , NE | 68803 | $57.8M |
| Monroe Branch | Monroe , NE | 68647 | $55.6M |
| Tilden Branch | Tilden , NE | 68781 | $55.3M |
| Franklin Branch | Franklin , NE | 68939 | $52.2M |
| City State Bank-Clay Center | Clay Center , NE | 68933 | $49.3M |
| Shelton Branch | Shelton , NE | 68876 | $48.9M |
| Murray Branch | Murray , NE | 68409 | $41.7M |
| Citizens State Bank Branch | Clearwater , NE | 68726 | $37.5M |
| Columbus Branch | Columbus , NE | 68601 | $36.9M |
| Henderson Branch | Henderson , NE | 68371 | $36.6M |
| Harvard Branch | Harvard , NE | 68944 | $32.8M |
| Davenport Frontier Branch | Davenport , NE | 68335 | $32.2M |
| Orchard Branch | Orchard , NE | 68764 | $31.3M |
| Wilcox Branch | Wilcox , NE | 68982 | $30.4M |
| Hildreth Branch | Hildreth , NE | 68947 | $30.4M |
| Bank of St. Edward Branch | Saint Edward , NE | 68660 | $29.9M |
| Beaver Lake Branch | Plattsmouth , NE | 68048 | $29.4M |
| Malmo Branch | Malmo , NE | 68040 | $27.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2024 | Structure Change | Acquired Bank of Orchard Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2022 | Structure Change | Acquired Ashton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2021 | Structure Change | Acquired The Tilden Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2019 | Structure Change | Acquired Security Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 2018 | Structure Change | Acquired Franklin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 6, 2017 | Structure Change | Acquired The Murray State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2016 | Structure Change | Acquired The State Bank of Hildreth Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2015 | Structure Change | Acquired The Guide Rock State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2015 | Structure Change | Acquired North Loup Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired Bank of Marquette Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2013 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 11, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2012 | Structure Change | Acquired Frontier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 2011 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2010 | Structure Change | Acquired Harvard State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2008 | Structure Change | Acquired Bank of St. Edward Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2005 | Structure Change | Acquired City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2002 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 2001 | Structure Change | Acquired The First National Bank of Stromsburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2000 | Structure Change | Acquired Bank of Monroe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| July 11, 1992 | Structure Change | Acquired First Trust Company of York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1990 | Structure Change | Acquired First Federal Savings Association of York Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1985 | Structure Change | Acquired Blue River Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 44 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.4% of deposits in NE, rank 7 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 201 applications, 121 loans originated, $53.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $360K approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Cornerstone Bank
What are Cornerstone Bank's total assets?
As of the Q2 2026 filing, Cornerstone Bank reported total assets of $2.73 billion in its FFIEC call report.
Where is Cornerstone Bank headquartered?
It is headquartered in York, NE, United States.
When was Cornerstone Bank founded?
It was established in 1882, per the FDIC institution directory.
Is Cornerstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Bank?
Cornerstone Bank's primary federal regulator is the Federal Reserve.
How many branches does Cornerstone Bank operate?
It operates 50 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone Bank's Texas Ratio?
Its Texas Ratio is 12.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Cornerstone Bank previously called?
The charter now named Cornerstone Bank has also operated as Cornerstone Bank, National Association (1997-2006), per FDIC structure-change records.
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