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 York, NE against its peer group of 941 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 | 1.35% | 1.34% | +0.01% | 54th above |
| ROAE | 14.79% | 12.34% | +2.45% | 68th above |
| Net Interest Margin | 3.45% | 3.83% | -0.38% | 33rd below |
| Efficiency Ratio | 60.35% | 58.97% | +1.38% | 43rd below |
| PPNR / Avg Assets | 1.51% | — | — | 35th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.55% | 5.71% | -0.16% | 51st above |
| Cost of Funds | 2.25% | 2.02% | +0.23% | 33rd below |
| Net Interest Spread | 2.93% | — | — | 40th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.87% | +0.68% | 14th bottom |
| NPA / Total Assets | 1.19% | — | — | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.38% | 0.43% | -0.05% | 12th bottom |
| ACL / Total Loans | 1.15% | — | — | 50th above |
| ACL / NPLs (Coverage) | 74.39% | — | — | 13th bottom |
| Texas Ratio | 12.15% | 5.48% | +6.67% | 11th bottom |
| Provision / NCO | 61.24% | — | — | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.88% | 11.11% | -1.23% | 33rd below |
| Equity / Assets | 9.15% | 11.02% | -1.87% | 24th bottom |
| TCE / Tangible Assets | 8.90% | — | — | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.48% | 86.99% | +3.49% | 44th below |
| Core Deposit Ratio | 83.43% | 85.57% | -2.14% | 29th below |
| Uninsured Deposit Ratio | 34.04% | 33.19% | +0.85% | 42nd below |
| Wholesale Funding Ratio | 5.76% | — | — | 36th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.17% | — | — | 8th bottom |
| Loan Growth (Y/Y) | -2.26% | — | — | 9th bottom |
| Deposit Growth (Y/Y) | -0.45% | — | — | 15th bottom |
See Cornerstone Bank's peers by name
The 941 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.