Cornerstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone Bank of Spencer, MA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.51% | 1.34% | -0.83% | 8th bottom |
| ROAE | 5.42% | 12.34% | -6.92% | 10th bottom |
| Net Interest Margin | 3.29% | 3.83% | -0.54% | 25th below |
| Efficiency Ratio | 81.64% | 58.97% | +22.67% | 5th bottom |
| PPNR / Avg Assets | 0.59% | — | — | 4th bottom |
| Yield on Earning Assets | 5.25% | 5.71% | -0.46% | 32nd below |
| Cost of Funds | 2.04% | 2.02% | +0.02% | 48th below |
| Net Interest Spread | 2.96% | — | — | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.35% | 0.87% | -0.52% | 65th above |
| NPA / Total Assets | 0.26% | — | — | 66th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 39th below |
| ACL / Total Loans | 0.45% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 128.60% | — | — | 33rd below |
| Texas Ratio | 3.11% | 5.48% | -2.37% | 56th above |
| Provision / NCO | 70.83% | — | — | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.84% | 14.99% | -3.15% | 21st bottom |
| Tier 1 Ratio | 11.84% | 15.02% | -3.18% | 20th bottom |
| Total Capital Ratio | 12.31% | — | — | 13th bottom |
| Leverage Ratio | 9.22% | 11.11% | -1.89% | 17th bottom |
| Equity / Assets | 8.84% | 11.02% | -2.18% | 19th bottom |
| TCE / Tangible Assets | 8.10% | — | — | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.84% | 86.99% | +12.85% | 18th bottom |
| Core Deposit Ratio | 85.14% | 85.57% | -0.43% | 35th below |
| Uninsured Deposit Ratio | 27.38% | 33.19% | -5.81% | 62nd above |
| Wholesale Funding Ratio | 14.81% | — | — | 6th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 49.01% | — | — | 98th top |
| Loan Growth (Y/Y) | 37.97% | — | — | 96th top |
| Deposit Growth (Y/Y) | 45.15% | — | — | 97th top |
See Cornerstone Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cornerstone Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Cornerstone Bank peer analysis.