Bank call report · Spencer, MA
Cornerstone Bank Call Report
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Cornerstone Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 475 reported line items, schedule by schedule (911 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 447100 |
| FDIC certificate number | 90282 |
| Total assets | $2.57B |
Official Q2 2026 call report PDF (FFIEC) →
Cornerstone Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Cornerstone Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.57B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.57B |
| Total Liabilities and Minority Interest | RCON2948 | $2.35B |
| Total Deposits | RCON2200 | $1.94B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.93B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.93B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.60B |
| Other Borrowed Money | RCON3190 | $381.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $354.1M |
| Deposits: Noninterest-bearing | RCON6631 | $335.4M |
| Total Equity Capital | RCON3210 | $227.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $227.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $214.3M |
| Other Assets | RCON2160 | $120.3M |
| Interest-bearing Balances | RCON0071 | $59.2M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $42.9M |
| Federal Funds Sold | RCONB987 | $28.9M |
| Other Liabilities, Total | RCON2930 | $28.2M |
| Surplus | RCON3839 | $27.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $22.5M |
| Intangible Assets | RCON2143 | $20.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$14.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $8.6M |
| Goodwill | RCON3163 | $6.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $30K |
| Held-to-maturity Securities, Total | RCON1754 | $30K |
| Common Stock | RCON3230 | $2K |
Schedule RI: Income Statement (43 items)
About Schedule RI · Cornerstone Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $58.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $50.8M |
| Total Noninterest Expense | RIAD4093 | $36.8M |
| Net Interest Income | RIAD4074 | $35.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $22.4M |
| Total Interest Expense | RIAD4073 | $22.3M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $21.7M |
| Salaries and Employee Benefits | RIAD4135 | $19.4M |
| Other Noninterest Expense | RIAD4092 | $12.8M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $8.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $8.8M |
| Total Noninterest Income | RIAD4079 | $8.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $7.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.2M |
| Net Income (Loss) | RIAD4340 | $7.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $4.9M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $4.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.4M |
| Other Noninterest Income | RIADB497 | $4.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $3.5M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.9M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $2.3M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $2.0M |
| Provision for Loan and Lease Losses | RIAD4230 | -$1.6M |
| Applicable Income Taxes | RIAD4302 | $1.6M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$1.5M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $1.3M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $1.3M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.2M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.2M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $1.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $713K |
| Interest on Other Securities | RIAD4060 | $690K |
| Other Interest Income | RIAD4518 | $557K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $317K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $300K |
| Net Servicing Fees | RIADB492 | $218K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $131K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $84K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 242 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $81.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $36.1M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $28.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $9.6M |
| Currency and Coin | RCON0080 | $7.6M |
Schedule RC-B: Securities (38 items)
About Schedule RC-B · Cornerstone Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $18.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $17.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $199.4M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $189.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $9K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $9K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $65.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $65.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $8K |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $8K |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $367.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $180.0M |
| Pledged Securities | RCON0416 | $116.8M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $60.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $45.1M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $43.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $35.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $22.4M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $21.6M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $21.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $20.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $16.8M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $12.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $9.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $9.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $8.4M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $8.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $5.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $4.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $4.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $372K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $314K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $129K |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $29K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $13K |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $12K |
Schedule RC-C, Part I: Loans and Leases (51 items)
About Schedule RC-C, Part I · Cornerstone Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.93B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $875.9M |
| Pledged Loans and Leases | RCONG378 | $831.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $541.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $442.7M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG092 | $398.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $333.4M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG091 | $304.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $220.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $202.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $200.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $181.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $174.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $122.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $119.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $112.2M |
| Commercial and Industrial Loans | RCON1766 | $91.0M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $91.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $80.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $74.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $60.6M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individual for Household Family and Other Personal Expenditures | RCONG098 | $51.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $46.7M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individuals for Household, Family and Other Personal Expenditures | RCONG097 | $46.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $46.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $45.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $41.3M |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG095 | $30.8M |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG094 | $27.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $18.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $18.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $14.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $12.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $9.8M |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans Secured by Real Estate | RCONG093 | $2.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $2.4M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $2.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $2.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $832K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $471K |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Commercial and Industrial Loans | RCONG096 | $319K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $314K |
| Other Loans | RCONJ464 | $314K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $258K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to Non-u.s. Addressees (Domicile) | RCONK164 | $258K |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: Loans to Individuals for Household, Family, and Other Personal Expenditures | RCONG099 | $233K |
| Gross Contractual Amounts Receivable at Acquisition Date of Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG101 | $51K |
| Fair Value at Acquisition Date of Acquired Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG100 | $39K |
| Best Estimate at Acquisition Date of Contractual Cash Flows Not Expected to Be Collected for Loans and Leases Held for Investment That Were Acquired in Business Combinations with Acquisition Dates in the Current Calendar Year: All Other Loans and All Leases | RCONG102 | $1K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Multifamily (5 or More) Nonresidential Properties | RCONK160 | $1K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $85.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $21.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $15.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $11.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $8.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $88K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 325 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 208 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 168 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 103 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 73 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 32 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
Schedule RC-E: Deposit Liabilities (39 items)
About Schedule RC-E · Cornerstone Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.26B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.25B |
| Total Transaction Accounts | RCON2215 | $676.9M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $675.6M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $336.6M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $336.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $283.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $262.2M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $255.3M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $242.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $242.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $218.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $209.2M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $205.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $193.3M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $168.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $165.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $127.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $90.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $74.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $72.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $61.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $48.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $33.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $27.4M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $24.4M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $5.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $5.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $5.0M |
| Total Brokered Deposits | RCON2365 | $5.0M |
| Total reciprocal deposits | RCONJH83 | $3.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.4M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $773K |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $496K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $496K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $291K |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $14K |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $34.2M |
| Other Assets | RCON2168 | $26.9M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $25.2M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $21.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $9.3M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $8.2M |
| Accrued Interest Receivable | RCONB556 | $8.1M |
| Net Deferred Tax Assets | RCON2148 | $4.5M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $3.0M |
| Prepaid Expenses | RCON2166 | $1.3M |
| Third Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3551 | $1.1M |
| Computer Software | RCONFT33 | $876K |
Schedule RC-G: Other Liabilities (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $25.1M |
| Deferred Compensation Liabilities | RCONC011 | $11.8M |
| Third Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3554 | $3.8M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $3.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.9M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $2.2M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $1.5M |
| Accounts Payable | RCON3066 | $1.5M |
| Operating lease liabilities | RCONLB56 | $1.2M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $153K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $41K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Cornerstone Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.42B |
| Quarterly Average of Total Loans | RCON3360 | $1.89B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $989.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $684.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $617.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $459.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $314.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $242.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $231.2M |
| Mortgage-backed Securities | RCONB559 | $201.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $118.5M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $79.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $53.2M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $45.1M |
| All Other Securities | RCONB560 | $27.5M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $21.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (17 items)
About Schedule RC-L · Cornerstone Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $5.8M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG410 | $5.8M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $223.9M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $208.9M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $150.4M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $131.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $84.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $77.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $42.4M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $26.5M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $15.6M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $15.0M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $5.8M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $3.1M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $3.0M |
| Performance Standby Letters of Credit | RCON3821 | $1.3M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $1K |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · Cornerstone Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $355.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $355.5M |
| FHLB Advances: Structured Advances | RCONF059 | $83.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $25.5M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $14.2M |
| All other intangible assets | RCONJF76 | $14.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $875K |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $308K |
| Mortgage Servicing Assets | RCON3164 | $183K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 4 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Cornerstone Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $6.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $4.8M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $3.1M |
| Additions to Nonaccrual Assets | RCONC410 | $1.6M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.1M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $688K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $509K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $465K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $238K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $221K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $161K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $130K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $83K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $44K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Cornerstone Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.42B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.94B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.16B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $698.7M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $530.5M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $224.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $57.6M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $17.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 92,509 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 2,372 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,058 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 42 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (15 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $357.1M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $354.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $354.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $354.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $3.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $3.1M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $3.1M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $3.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $3.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $3.1M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $3.0M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $3.0M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $3.0M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $3.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $3.0M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Cornerstone Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.87B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Cornerstone Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.42B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.40B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.87B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $229.9M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $227.5M |
| Common Equity Tier 1 Capital | RCOAP859 | $221.2M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $221.2M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $221.2M |
| Retained Earnings | RCOAKW00 | $214.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $27.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $20.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$14.3M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$14.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $14.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $8.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $8.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $8.8M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $6.7M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$90K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1231 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1184 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1184 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0922 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0431 |
Schedule RC-R, Part II: Risk-Weighted Assets (69 items)
About Schedule RC-R, Part II · Cornerstone Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.87B |
| Total Risk-weighted Assets | RCONG641 | $1.87B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.31B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.31B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.14B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $1.05B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $908.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $908.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $904.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $872.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $870.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $454.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $389.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $389.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $354.1M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $304.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $290.4M |
| Total All Other Assets | RCOND981 | $184.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $158.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $145.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $145.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $143.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $109.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $91.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $84.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $84.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $81.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $77.9M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $45.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $40.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $39.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $36.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $34.2M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $34.2M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $28.9M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $28.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $25.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $21.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $21.4M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $20.6M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $17.5M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $15.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $15.6M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $15.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $14.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $14.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$13.2M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $12.6M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $12.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $6.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $5.8M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $2.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $2.2M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.9M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.8M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $1.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.6M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $1.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $628K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $628K |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $458K |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $183K |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $183K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $183K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $146K |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $30K |
| Total Held-to-maturity Securities | RCOND961 | $30K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $89.6M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $2.6M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $2.6M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $181K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $227.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $159.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $159.6M |
| Changes Incident to Business Combinations, Net | RIAD4356 | $65.9M |
| Other Comprehensive Income | RIADB511 | -$5.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Cornerstone Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $416K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $217K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $151K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $71K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $68K |
| Charge-offs on Automobile Loans | RIADK129 | $48K |
| Recoveries on Automobile Loans | RIADK133 | $1K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · Cornerstone Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $8.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.1M |
| Adjustments | RIADC233 | $4.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $416K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $107K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.93B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $1.01B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $677.7M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $118.1M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $91.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $33.4M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $8.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $6.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $600K |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $217K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $175K |
Schedule RI-E: Explanations (19 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $5.1M |
| Second Itemized Adjustment to Allowance for Loan and Lease Losses (4815) | RIAD4522 | $4.4M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $2.2M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $1.1M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $1.1M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $768K |
| Marketing and Other Professional Services | RIAD0497 | $765K |
| Directors' Fees | RIAD4136 | $421K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $379K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $375K |
| Printing, Stationery, and Supplies | RIADC018 | $303K |
| Consulting and Advisory Expense | RIADF557 | $297K |
| Accounting and Auditing Expenses | RIADF556 | $246K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $191K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $183K |
| Telecommunications Expense | RIADF559 | $182K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $117K |
| Legal Expense | RIAD4141 | $78K |
| Safe Deposit Box Rent | RIADC015 | $69K |
Cornerstone Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Cornerstone Bank call report?
The Cornerstone Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cornerstone Bank file?
Cornerstone Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cornerstone Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cornerstone Bank has Federal Reserve RSSD ID 447100 and FDIC certificate number 90282. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cornerstone Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cornerstone Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 90282) · FFIEC NIC profile (RSSD 447100)