Cornerstone Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
CRE concentration (Tier 1 capital + allowance) climbed 11.50 percentage points in Q2 2026, from 248.82% to 260.32%. It was the largest change from Q1 2026 among the key lines here. Within Massachusetts, Cornerstone Bank is 32nd of 89 on loan-to-deposit ratio, 99.84% as of Q2 2026. Cornerstone Bank reported 99.84% on loan-to-deposit ratio for Q2 2026, 11.63 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.93B |
| Net loans and leases | $1.93B |
| Loans held for sale | $0 |
| Loans to total assets | 75.13% |
| Loan-to-deposit ratio | 99.84% |
| Net loans to equity capital | 8.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.69% |
| Multifamily (5+ residential) | 6.35% |
| Commercial and industrial | 4.70% |
| Consumer | 6.09% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.32% |
| Construction concentration (Tier 1 capital + allowance) | 14.19% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.48% |
| Interest income on loans | $25.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.29B | $1.26B | 32.87% | 3.71% | 0.77% |
| Q4 2023 | $1.31B | $1.30B | 32.39% | 4.41% | 0.78% |
| Q1 2024 | $1.32B | $1.30B | 32.03% | 4.15% | 1.88% |
| Q2 2024 | $1.33B | $1.28B | 31.75% | 4.05% | 1.81% |
| Q3 2024 | $1.33B | $1.29B | 32.19% | 4.09% | 1.69% |
| Q4 2024 | $1.33B | $1.31B | 33.17% | 4.13% | 2.32% |
| Q1 2025 | $1.36B | $1.35B | 33.92% | 3.85% | 2.11% |
| Q2 2025 | $1.40B | $1.33B | 33.86% | 4.56% | 3.28% |
| Q3 2025 | $1.43B | $1.37B | 33.79% | 4.31% | 2.99% |
| Q4 2025 | $1.45B | $1.42B | 34.05% | 4.38% | 2.73% |
| Q1 2026 | $1.87B | $1.95B | 29.10% | 4.76% | 6.65% |
| Q2 2026 | $1.93B | $1.94B | 28.69% | 4.70% | 6.09% |
Cornerstone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Bank, freeSource: Call Report Schedule RC-C, 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 90282) · FFIEC NIC profile (RSSD 447100)