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 Clarinda, IA against its peer group of 578 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 | 0.58% | 0.85% | -0.27% | 27th below |
| ROAE | 3.83% | 5.23% | -1.40% | 26th below |
| Net Interest Margin | 4.14% | 3.94% | +0.20% | 61st above |
| Efficiency Ratio | 68.34% | 76.13% | -7.79% | 52nd above |
| PPNR / Avg Assets | 1.30% | — | — | 52nd above |
| Yield on Earning Assets | 5.90% | 5.42% | +0.48% | 73rd above |
| Cost of Funds | 1.97% | 1.69% | +0.28% | 29th below |
| Net Interest Spread | 3.58% | — | — | 60th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.47% | 1.23% | -0.76% | 49th below |
| NPA / Total Assets | 0.30% | — | — | 44th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.11% | -0.02% | 16th bottom |
| ACL / Total Loans | 1.62% | — | — | 74th above |
| ACL / NPLs (Coverage) | 344.80% | — | — | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 1.77% | 7.23% | -5.46% | 48th below |
| Provision / NCO | 1116.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 34.96% | 25.12% | +9.84% | 70th above |
| Tier 1 Ratio | 34.96% | 25.12% | +9.84% | 70th above |
| Total Capital Ratio | 36.23% | — | — | 70th above |
| Leverage Ratio | 15.19% | 14.13% | +1.06% | 65th above |
| Equity / Assets | 15.74% | 13.07% | +2.67% | 70th above |
| TCE / Tangible Assets | 15.74% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.02% | 68.58% | +8.44% | 36th below |
| Core Deposit Ratio | 94.84% | 88.79% | +6.05% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -11.01% | — | — | 3rd bottom |
| Loan Growth (Y/Y) | -2.82% | — | — | 26th below |
| Deposit Growth (Y/Y) | -14.11% | — | — | 2nd bottom |
See Cornerstone Bank's peers by name
The 578 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.