The Cornerstone Bank
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Data as of · sourced from FFIEC call reports. How we update
The Cornerstone Bank is an FDIC-insured commercial bank headquartered in South West City, MO, established in 1898 (FDIC certificate 9388), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $211.4M, up 7.0% from Q2 2025, the 121st largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.18% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9388
- Headquarters
- South West City, MO
- Established
- 1898
- Total assets, Q2 2026
- $211.4M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 12.18%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 101207210
- Latest call report
- Q2 2026, FFIEC 051 · The Cornerstone Bank call report
- Asset rank in state
- 121st of 191 in Missouri
The Cornerstone Bank earns an unusually wide margin on its lending. Based in South West City, Missouri, it had $211 million in assets at June 30, 2026, up 7.0% from a year earlier. It keeps 5.51 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 14.2% over the year, 2.6 times the median of 5.5% for banks its size.
Its $23 million non-owner-occupied commercial real estate book is improving, with 6.60% past due or on nonaccrual, down from 16.74% a year earlier. Loans are outrunning deposits: over the year loans rose 14.2% and deposits rose 5.9%. Credit is the area to watch: it carries problem assets equal to 10.5% of the capital and reserves that would absorb them, 4.0 times the median of 2.6% for banks its size.
As of June 30, 2026, The Cornerstone Bank reported a return on assets of 1.69%, a nonperforming-loan ratio of 1.72% and a Texas ratio of 10.52%. The figures come from its call report filed with the FFIEC.
The Cornerstone Bank ranks as the 121st largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $211.4M, loans rose 2.9% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 42.2% of total loans, followed by non-owner-occupied commercial real estate loans at 13.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in MO; its South West City office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Cornerstone Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 N Main St, South West City, MO 64863
- County
- Mcdonald
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $183.4M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $730K
- Average total assets
- $211.5M
- Average total loans
- $168.9M
- Average interest-bearing deposits
- $144.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9388
- Fed RSSD
- 312356
- Website
- www.thecornerstonebank.net →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Cornerstone Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Cornerstone Bank's total assets ran between $179.6M (Q4 2023) and $211.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$211.4M total assets against $197.6M; $186.2M total liabilities against $174.0M.
$167.5M net loans and leases against $146.6M; $183.4M total deposits against $173.2M.
$26.3M securities against $26.1M; $12.2M cash and balances due against $19.9M.
$3.9M total interest income against $3.6M; $1.1M total interest expense against $1.0M.
$2.8M net interest income against $2.6M.
$358K total noninterest income against $338K; $1.8M total noninterest expense against $2.0M.
$497K provision for credit losses against $237K.
$893K net income against $674K.
1.69% return on assets against 1.38%; 5.51% net interest margin against 5.43%.
12.18% tier 1 leverage ratio against 12.52%.
Inside the full The Cornerstone Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Cornerstone Bank rankings
Its closest position to the top of a national ranking is 590 of 3,640, for Texas Ratio; its furthest is 2,894 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q4 2024) to 1.95% (Q1 2025) and its net interest margin ran from 4.98% (Q4 2024) to 5.55% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.18% | 1.69% | 1.72% | 10.52% | 5.51% |
| Q1 2026 | 12.27% | 1.35% | 2.63% | 16.51% | 5.47% |
| Q4 2025 | 12.25% | 1.45% | 1.31% | 7.93% | 5.55% |
| Q3 2025 | 12.41% | 1.21% | 1.45% | 8.36% | 5.45% |
| Q2 2025 | 12.52% | 1.38% | 1.69% | 9.72% | 5.43% |
| Q1 2025 | 12.60% | 1.95% | 1.68% | 9.60% | 5.26% |
| Q4 2024 | 12.17% | 0.48% | 1.48% | 9.19% | 4.98% |
| Q3 2024 | 12.30% | 1.75% | 1.27% | 9.10% | 5.14% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Corner Stone Bank | South West City , MO | 64863 | $125.0M |
| The Corner Stone Bank | Goodman , MO | 64843 | $31.5M |
| Pineville Branch | Pineville , MO | 64856 | $23.9M |
| Lanagan Branch | Lanagan , MO | 64847 | $3.0M |
| NW Corner Branch | Tiff City , MO | 64868 | $8K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 148 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.6M approved, $1.6M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2007 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Cornerstone Bank
What are The Cornerstone Bank's total assets?
As of the Q2 2026 filing, The Cornerstone Bank reported total assets of $211.4 million in its FFIEC call report.
Where is The Cornerstone Bank headquartered?
It is headquartered in South West City, MO, United States.
When was The Cornerstone Bank founded?
It was established in 1898, per the FDIC institution directory.
Is The Cornerstone Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9388). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Cornerstone Bank?
The Cornerstone Bank's primary federal regulator is the FDIC.
How many branches does The Cornerstone Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Cornerstone Bank's Texas Ratio?
Its Texas Ratio is 10.52% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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