Bank call report · Fargo, ND
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 468 reported line items, schedule by schedule (905 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 | 879457 |
| FDIC certificate number | 13198 |
| Total assets | $1.85B |
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 (23 items)
About Schedule RC · Cornerstone Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.85B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.85B |
| Total Liabilities and Minority Interest | RCON2948 | $1.70B |
| Total Deposits | RCON2200 | $1.65B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.42B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.36B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.35B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $301.0M |
| Deposits: Noninterest-bearing | RCON6631 | $229.0M |
| Total Equity Capital | RCON3210 | $151.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $151.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $119.7M |
| Surplus | RCON3839 | $55.0M |
| Other Assets | RCON2160 | $54.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $43.4M |
| Interest-bearing Balances | RCON0071 | $41.7M |
| Securities Purchased Under Agreements to Resell | RCONB989 | $40.8M |
| Other Borrowed Money | RCON3190 | $40.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $25.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$23.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $17.9M |
| Other Liabilities, Total | RCON2930 | $13.4M |
| Common Stock | RCON3230 | $100K |
Schedule RI: Income Statement (50 items)
About Schedule RI · Cornerstone Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $48.7M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $40.8M |
| Net Interest Income | RIAD4074 | $34.3M |
| Total Noninterest Expense | RIAD4093 | $21.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $21.0M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $15.0M |
| 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 | $15.0M |
| Total Interest Expense | RIAD4073 | $14.5M |
| Salaries and Employee Benefits | RIAD4135 | $14.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $11.2M |
| Net Income (Loss) | RIAD4340 | $11.2M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $11.2M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $7.4M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $6.5M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $6.4M |
| Other Noninterest Expense | RIAD4092 | $5.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $4.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $4.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $4.1M |
| Applicable Income Taxes | RIAD4302 | $3.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $3.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $3.4M |
| Total Noninterest Income | RIAD4079 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.5M |
| Other Noninterest Income | RIADB497 | $1.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.8M |
| 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 | $1.4M |
| Interest on Other Securities | RIAD4060 | $1.1M |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $999K |
| Provision for Loan and Lease Losses | RIAD4230 | $949K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $939K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $900K |
| Income from Lease Financing Receivables | RIAD4065 | $708K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $614K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $546K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $522K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $345K |
| Net Servicing Fees | RIADB492 | $306K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $291K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $164K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $164K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $133K |
| Other Interest Income | RIAD4518 | $128K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $103K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $62K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $51K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $47K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $7K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 237 |
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 | $67.0M |
| Balances Due from Federal Reserve Banks | RCON0090 | $41.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $9.9M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $9.8M |
| Currency and Coin | RCON0080 | $5.8M |
Schedule RC-B: Securities (41 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 | $32.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $29.9M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $64.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $58.8M |
| 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 | $80.7M |
| 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 | $76.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $5.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $4.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $323.7M |
| Pledged Securities | RCON0416 | $193.6M |
| 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 | $73.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $64.8M |
| 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 Five Years Through Fifteen Years | RCONA553 | $52.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $47.2M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $45.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $41.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $36.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $27.4M |
| 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 | $25.1M |
| 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 | $20.1M |
| 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 | $20.0M |
| 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 Date of Three Months of Less | RCONA549 | $15.3M |
| 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 of Over Ffteen Years | RCONA554 | $12.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $12.7M |
| 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 | $12.1M |
| 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 | $11.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $11.0M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $9.9M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $9.7M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $5.0M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $4.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $3.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.9M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.9M |
| 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 | $1.9M |
| 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 | $1.5M |
| 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 | $1.2M |
| 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 | $738K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $578K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $573K |
| 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 | $121K |
Schedule RC-C, Part I: Loans and Leases (38 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 | $1.36B |
| 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 | $368.2M |
| 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 | $339.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $326.8M |
| 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 | $309.2M |
| Commercial and Industrial Loans | RCON1766 | $230.6M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $230.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $226.7M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $204.3M |
| Pledged Loans and Leases | RCONG378 | $186.6M |
| 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 Over Three Months Through 12 Months | RCONA571 | $158.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $142.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $138.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $123.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $113.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $63.4M |
| 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 Five Years Through 15 Years | RCONA574 | $42.5M |
| 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 Three Years Through Five Years | RCONA567 | $39.5M |
| 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 | $30.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $26.8M |
| 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 | $25.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $24.6M |
| All Other Lease Financing Receivables | RCONF163 | $23.7M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $23.7M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $19.2M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $13.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $8.7M |
| 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 | $7.7M |
| 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 | $5.1M |
| 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 | $4.3M |
| 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 | $3.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $3.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.1M |
| 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 | $1.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $1.0M |
| Itemize Loans to Finance Agricultural Production and Other Loans to Farmers That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK168 | $91K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $91K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 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 | $79.8M |
| 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 | $63.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $32.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $27.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $18.9M |
| 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 | $17.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $14.4M |
| 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 Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $9.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $9.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.2M |
| 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 | $468K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 403 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 228 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 205 |
| 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 | 204 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 165 |
| 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 | 162 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 125 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 89 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 89 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 64 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 23 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 11 |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · Cornerstone Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.32B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.08B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $690.9M |
| 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 | $391.4M |
| Total Demand Deposits (See Note Below) | RCON2210 | $331.4M |
| Total Transaction Accounts | RCON2215 | $331.4M |
| Total reciprocal deposits | RCONJH83 | $306.6M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $251.0M |
| 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 | $249.7M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $240.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $234.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $206.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $191.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $191.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $176.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $134.4M |
| 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 | $114.1M |
| 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 | $111.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $90.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $88.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $88.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $72.0M |
| 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 | $66.0M |
| 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 | $65.5M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $48.5M |
| Total Brokered Deposits | RCON2365 | $48.5M |
| 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 | $43.3M |
| 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 | $23.8M |
| 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 Three Months or Less | RCONHK07 | $20.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.0M |
| 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 | $12.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $9.5M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $8.4M |
| 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 Three Years | RCONHK15 | $6.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $5.6M |
| 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 | $4.0M |
| 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 | $1.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $721K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $23.3M |
| Accrued Interest Receivable | RCONB556 | $13.9M |
| Net Deferred Tax Assets | RCON2148 | $8.5M |
| Other Assets | RCON2168 | $5.1M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $3.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $2.9M |
| Prepaid Expenses | RCON2166 | $1.3M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $1.1M |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $7.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $4.1M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $3.6M |
| Deferred Compensation Liabilities | RCONC011 | $2.2M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.7M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $146K |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · Cornerstone Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.82B |
| Quarterly Average of Total Loans | RCON3360 | $1.33B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $941.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $698.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $245.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $221.4M |
| Mortgage-backed Securities | RCONB559 | $220.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $208.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $195.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $158.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $151.6M |
| All Other Securities | RCONB560 | $61.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $49.8M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $48.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $45.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $37.4M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $22.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $16.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $165K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (13 items)
About Schedule RC-L · Cornerstone Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $193.9M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $193.9M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $121.8M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $96.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $65.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $38.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $28.6M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $10.7M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCON3822 | $5.9M |
| Performance Standby Letters of Credit | RCON3821 | $5.9M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $3.6M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $3.6M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $673K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Cornerstone Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $40.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $40.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $27.1M |
| 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 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (35 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 | $29.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $21.9M |
| Additions to Nonaccrual Assets | RCONC410 | $20.1M |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $11.5M |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $11.5M |
| All Other Loans - Nonaccrual | RCON5461 | $9.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $9.4M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $7.5M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $6.3M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $4.8M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $2.2M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $1.5M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $1.3M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $1.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $1.2M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $929K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $630K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 90 or More Days and Still Accruing. | RCONF175 | $500K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $463K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $404K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 90 or More Days Past Due and Still Accruing | RCONF181 | $404K |
| Lease Financing Receivables - Past Due 30-89 Days and Still Accruing | RCON1226 | $399K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $353K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $322K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $127K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $95K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $89K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $58K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $37K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : All Other Loans - Nonaccrual | RCONK128 | $20K |
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 | $1.82B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.65B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $907.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $735.9M |
| 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 | $710.7M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $172.7M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.4M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 33,245 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,167 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 391 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 6 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $304.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $304.5M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $301.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $301.0M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $3.6M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $3.6M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $3.6M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $3.6M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Level 2 Fair Value Measurements | RCONG574 | $3.6M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Total Fair Value Reported on Balance Sheet | RCONG571 | $3.6M |
| Second Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 2 Fair Value Measurements | RCONG554 | $3.6M |
| Second Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG551 | $3.6M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $3.6M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $3.6M |
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 | $1.55B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Cornerstone Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.82B |
| Average total consolidated assets | RCOAKW03 | $1.82B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.55B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $192.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $174.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $174.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $174.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $151.2M |
| Retained Earnings | RCOAKW00 | $119.7M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $55.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$23.6M |
| 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 | -$23.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $18.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $18.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $18.1M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1244 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1128 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1128 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0963 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0444 |
Schedule RC-R, Part II: Risk-Weighted Assets (73 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 | $1.55B |
| Total Risk-weighted Assets | RCONG641 | $1.55B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.32B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.32B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.24B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.16B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.14B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $301.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $293.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $266.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $227.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $179.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $164.1M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $163.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $150.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $147.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $146.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $136.2M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $132.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $128.6M |
| Total All Other Assets | RCOND981 | $98.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $89.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $84.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $76.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $67.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $64.3M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $58.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $56.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $49.0M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $47.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $44.7M |
| Adjustments to Totals Reported in Column a, Securities Purchased Under Agreements to Resell | RCONH172 | $40.8M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $40.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $40.8M |
| Totals from Schedule Rc, Securities Purchased Under Agreements to Resell | RCONH171 | $40.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $37.6M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $37.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $29.8M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $29.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $27.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $27.2M |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $22.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$22.7M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $21.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $19.6M |
| Repo-style Transactions - 0 Pct Risk Weight Category | RCONS517 | $18.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $16.7M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $16.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $15.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $15.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $8.7M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $8.5M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $8.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $8.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $7.8M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $7.8M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $5.9M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $5.0M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $4.1M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $3.9M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $3.6M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $3.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $3.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $1.7M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.1M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $769K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $409K |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $325K |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $325K |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $325K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $166K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $4K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $297.9M |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $151.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $141.3M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $141.3M |
| Other Comprehensive Income | RIADB511 | -$1.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 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 | $840K |
| Charge-offs on All Other Loans | RIAD4644 | $595K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $188K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $17K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $17K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $16K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $15K |
| Recoveries on All Other Loans | RIAD4628 | $9K |
| Charge-offs on Automobile Loans | RIADK129 | $6K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $5K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $2K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $1K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 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 | $17.9M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $17.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $840K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$49K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.36B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $631.3M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $461.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $151.9M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $82.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $36.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $17.9M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $8.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $7.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $925K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $644K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $322K |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | $25K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $952K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $736K |
| Data Processing Expenses | RIADC017 | $651K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $437K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $420K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $216K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $140K |
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 879457 and FDIC certificate number 13198. 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 13198) · FFIEC NIC profile (RSSD 879457)