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 dropped 129.44 percentage points in Q2 2026, from 203.83% to 74.39%. It was the largest change from Q1 2026 among the key lines here. Cornerstone Bank ranks 72nd of 138 Nebraska banks on return on assets, in the lower half at 1.35% (Q2 2026). Cornerstone Bank reported 1.35% on return on assets for Q2 2026, 0.08 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.88% |
| Equity capital to assets | 9.15% |
| Tangible equity to tangible assets | 8.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.55% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.38% |
| Texas ratio | 12.15% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 74.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 14.79% |
| Net interest margin | 3.45% |
| Efficiency ratio | 60.35% |
| Yield on earning assets | 5.55% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.48% |
| Core deposits to total deposits | 83.43% |
| Brokered deposits to total deposits | 7.92% |
| Deposits to assets | 84.68% |
| Securities to assets | 17.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.69% | 10.69% | 11.68% | 8.69% | 1.15% |
| Q4 2023 | 10.24% | 10.24% | 11.22% | 8.51% | 1.00% |
| Q1 2024 | 10.39% | 10.39% | 11.40% | 8.54% | 1.06% |
| Q2 2024 | 10.07% | 10.07% | 11.07% | 8.45% | 1.05% |
| Q3 2024 | 10.24% | 10.24% | 11.27% | 8.41% | 0.92% |
| Q4 2024 | 10.16% | 10.16% | 11.16% | 8.46% | 0.97% |
| Q1 2025 | 10.39% | 10.39% | 11.45% | 8.61% | 0.98% |
| Q2 2025 | 10.73% | 10.73% | 11.75% | 8.85% | 1.16% |
| Q3 2025 | — | — | — | 9.05% | 1.15% |
| Q4 2025 | — | — | — | 9.39% | 1.18% |
| Q1 2026 | — | — | — | 9.72% | 1.14% |
| Q2 2026 | — | — | — | 9.88% | 1.35% |
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 5496) · FFIEC NIC profile (RSSD 403151)