Branch Network
Cornerstone Bank Locations & Branches Spencer, Massachusetts
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Cornerstone Bank operates 17 branches from its headquarters in Spencer, MA, .
Cornerstone Bank branch network
All 17 branches are in MASSACHUSETTS, across 15 cities. Worcester, MA has the most of its branches, 3. Its largest office by deposits is its main office in Spencer, MA, with $294.5M (15.2% of its branch deposits). On June 30, 2025 it had 12 branches, 5 fewer than in 2026.
Cornerstone Bank at a glance
Its CET1 capital ratio was 11.84% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $2.57B
- CET1 ratio, Q2 2026
- 11.84%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1871
Full financial profile · Is Cornerstone Bank safe? · Cornerstone Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Spencer, MA (1 branch) | 1 of 1 | 100.0% | $294.5M |
| State: MA (17 branches) | 30 of 112 | 0.3% | $1.94B |
Ranked by total assets among banks headquartered in the state: Largest banks in Massachusetts.
Share by county and metro area
Cornerstone Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Worcester, MA (17 branches) | 4 of 26 | 8.6% | $1.94B | $22.52B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Worcester, MA-CT (17 branches) | 4 of 26 | 8.6% | $1.94B | $22.52B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Bank (main office) | Spencer, MA | 01562 | $294.5M |
| Southbridge Br | Southbridge, MA | 01550 | $188.8M |
| Athol Savings Bank Branch | Athol, MA | 01331 | $179.9M |
| Sturbridge Branch | Sturbridge, MA | 01566 | $161.6M |
| Worcester Branch | Worcester, MA | 01609 | $149.7M |
| Gardner Branch | Gardner, MA | 01440 | $146.8M |
| Charlton Branch | Charlton, MA | 01507 | $119.6M |
| West Boylston Street Branch | Worcester, MA | 01606 | $100.4M |
| Rutland Branch | Rutland, MA | 01543 | $94.7M |
| Winchendon Branch | Winchendon, MA | 01475 | $90.7M |
| Ashburnham Branch | Ashburnham, MA | 01430 | $80.8M |
| Leiceister Branch | Leicester, MA | 01524 | $79.2M |
| Holden Branch | Holden, MA | 01520 | $71.1M |
| Barre Branch | Barre, MA | 01005 | $62.2M |
| Webster Branch | Webster, MA | 01570 | $59.4M |
| Shrewsbury Branch | Shrewsbury, MA | 01545 | $35.5M |
| Tatnuck Square Branch | Worcester, MA | 01602 | $22.7M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 90282) · FFIEC NIC profile (RSSD 447100)