Cornerstone Bank: Efficiency Ratio
BankRegReports is independent of Cornerstone Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Cornerstone Bank reported an efficiency ratio of 57.48% as of Q2 2026, ranking #1,547 of 3,606 U.S. banks (57th percentile). That is up 3.11 percentage points from 54.37% a year earlier, and below the 58.00% median of the 853 Large Community Banks ($1B–$10B in assets). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
12-Quarter Trend
Source: FFIEC call reports, standardized by BankRegReports. Open the filed call report for Q2 2026 on the FFIEC CDR.
National Context
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its net interest income plus its noninterest income, expressed as a percentage. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
Compare banks of similar size and business model. Very small banks rarely run below 60% because fixed costs are spread over less revenue, and fee-heavy banks with trust or mortgage businesses carry higher expense against their revenue. The trend matters as much as the level: a rising ratio means expenses are growing faster than revenue. A very low ratio can also mean underinvestment in staff or systems.
Full definition & formula →Frequently asked questions
What is Cornerstone Bank's Efficiency Ratio?
Cornerstone Bank's Efficiency Ratio was 57.48% as of Q2 2026, ranking #1547 of 3,606 U.S. banks.
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its net interest income plus its noninterest income, expressed as a percentage. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
More Cornerstone Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Cornerstone Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 13198) · FFIEC NIC profile (RSSD 879457)