Bank Safety Analysis
Is Cornerstone Bank Safe?
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Cornerstone Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.94 percentage points higher than in Q1 2026, at 1.55%. Within Nebraska, Cornerstone Bank is 104th of 138 on leverage ratio, 9.88% as of Q2 2026. The median for banks in the $1B-10B asset tier is 10.49% on leverage ratio. Cornerstone Bank sits 0.61 points lower, at 9.88% (Q2 2026). From Q3 2023 to Q2 2026, Cornerstone Bank's CET1 ratio ranged between 10.07% (Q2 2024) and 10.73% (Q2 2025) and its Texas ratio ranged between 0.18% (Q4 2023) and 12.19% (Q3 2025). Between Q2 2025 and Q2 2026, Cornerstone Bank's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.75% to 1.55%, Texas ratio rose from 6.68% to 12.15% and return on assets rose from 1.16% to 1.35%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.904 for the 1-year horizon (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the model evidence and limits and the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $1B to $10B in assets (941 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.88% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.88% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.55% are elevated; merits closer attention.
Texas Ratio of 12.2% is well below the 100% historical failure threshold.
Efficiency ratio of 60.3% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 12.15% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.55% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 34.04% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 90.48% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 189.34% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 4.34% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 8 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2025 | 10.73% |
| Q1 2025 | 10.39% |
| Q4 2024 | 10.16% |
| Q3 2024 | 10.24% |
| Q2 2024 | 10.07% |
| Q1 2024 | 10.39% |
| Q4 2023 | 10.24% |
| Q3 2023 | 10.69% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 12.15% |
| Q1 2026 | 4.65% |
| Q4 2025 | 3.74% |
| Q3 2025 | 12.19% |
| Q2 2025 | 6.68% |
| Q1 2025 | 3.29% |
| Q4 2024 | 3.57% |
| Q3 2024 | 4.11% |
| Q2 2024 | 4.09% |
| Q1 2024 | 0.25% |
| Q4 2023 | 0.18% |
| Q3 2023 | 2.01% |
Cornerstone Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | 1.55% | 12.15% | 1.35% |
| Mar 31, 2026 | — | 0.61% | 4.65% | 1.14% |
| Dec 31, 2025 | — | 0.46% | 3.74% | 1.18% |
| Sep 30, 2025 | — | 1.44% | 12.19% | 1.15% |
| Jun 30, 2025 | 10.73% | 0.75% | 6.68% | 1.16% |
| Mar 31, 2025 | 10.39% | 0.35% | 3.29% | 0.98% |
| Dec 31, 2024 | 10.16% | 0.37% | 3.57% | 0.97% |
| Sep 30, 2024 | 10.24% | 0.44% | 4.11% | 0.92% |
| Jun 30, 2024 | 10.07% | 0.41% | 4.09% | 1.05% |
| Mar 31, 2024 | 10.39% | 0.03% | 0.25% | 1.06% |
| Dec 31, 2023 | 10.24% | 0.08% | 0.18% | 1.00% |
| Sep 30, 2023 | 10.69% | 0.26% | 2.01% | 1.15% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Cornerstone Bank FDIC insured?
Yes. Cornerstone Bank is an FDIC-insured commercial bank (FDIC Certificate #5496). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Cornerstone Bank well capitalized?
Yes. Cornerstone Bank reports a Community Bank Leverage Ratio of 9.88%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the Federal Reserve, applies under Prompt Corrective Action.
What is Cornerstone Bank's nonperforming loan ratio?
As of the most recent call report, Cornerstone Bank's nonperforming loan ratio is 1.55%. Nonperforming loans at 1.55% are elevated; merits closer attention.
What is Cornerstone Bank's Texas Ratio?
Cornerstone Bank's Texas Ratio is 12.15%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 5496) · FFIEC NIC profile (RSSD 403151)
Explore: Full Cornerstone Bank profile · Other banks in NE · Metric glossary · How the call report works