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.
Deposits to assets dropped 6.13 percentage points in Q2 2026, from 81.38% to 75.26%. It was the largest change from Q1 2026 among the key lines here. Cornerstone Bank ranks 58th of 89 Massachusetts banks on return on assets, in the lower half at 0.51% (Q2 2026). Cornerstone Bank's return on assets of 0.51% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.76 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.84% |
| Tier 1 risk-based capital ratio | 11.84% |
| Total risk-based capital ratio | 12.31% |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 8.84% |
| Tangible equity to tangible assets | 8.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 3.11% |
| Allowance for credit losses to loans | 0.45% |
| Reserve coverage of non-performing loans | 128.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.51% |
| Return on equity | 5.42% |
| Net interest margin | 3.29% |
| Efficiency ratio | 81.64% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.84% |
| Core deposits to total deposits | 85.14% |
| Brokered deposits to total deposits | 0.26% |
| Deposits to assets | 75.26% |
| Securities to assets | 13.76% |
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 | 11.60% | 11.60% | 12.60% | 8.71% | 0.22% |
| Q4 2023 | 11.62% | 11.62% | 12.62% | 8.61% | 0.23% |
| Q1 2024 | 11.40% | 11.40% | 12.34% | 8.60% | 0.14% |
| Q2 2024 | 11.44% | 11.44% | 12.35% | 8.53% | 0.18% |
| Q3 2024 | 11.21% | 11.21% | 12.18% | 8.43% | -0.27% |
| Q4 2024 | 13.58% | 13.58% | 14.55% | 10.05% | -0.75% |
| Q1 2025 | 13.01% | 13.01% | 13.94% | 9.75% | 0.39% |
| Q2 2025 | 12.67% | 12.67% | 13.56% | 9.63% | 0.29% |
| Q3 2025 | 12.27% | 12.27% | 13.11% | 9.49% | 0.14% |
| Q4 2025 | 12.44% | 12.44% | 12.90% | 9.58% | 1.11% |
| Q1 2026 | 12.51% | 12.51% | 13.00% | 9.23% | 0.67% |
| Q2 2026 | 11.84% | 11.84% | 12.31% | 9.22% | 0.51% |
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 90282) · FFIEC NIC profile (RSSD 447100)