The Cornerstone Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cornerstone Bank of South West City, MO against its peer group of 2672 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 | 1.69% | 1.34% | +0.35% | 73rd above |
| ROAE | 14.29% | 13.31% | +0.98% | 62nd above |
| Net Interest Margin | 5.51% | 3.93% | +1.58% | 97th top |
| Efficiency Ratio | 55.76% | 61.14% | -5.38% | 67th above |
| PPNR / Avg Assets | 2.63% | 1.68% | +0.95% | 91st top |
| Yield on Earning Assets | 7.58% | 5.67% | +1.91% | 98th top |
| Cost of Funds | 2.32% | 1.88% | +0.44% | 21st bottom |
| Net Interest Spread | 4.63% | 3.32% | +1.31% | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.12% | 0.94% | +0.18% | 25th below |
| NPA / Total Assets | 0.92% | 0.70% | +0.22% | 22nd bottom |
| NCO / Avg Loans | 1.42% | 0.16% | +1.26% | 2nd bottom |
| ACL / Total Loans | 1.68% | 1.28% | +0.40% | 87th top |
| ACL / NPLs (Coverage) | 149.76% | 1538.98% | -1389.22% | 40th below |
| Texas Ratio | 10.81% | 7.33% | +3.48% | 20th bottom |
| Provision / NCO | 125.21% | 1395.88% | -1270.67% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.18% | 12.14% | +0.04% | 67th above |
| Equity / Assets | 11.95% | 11.37% | +0.58% | 71st above |
| TCE / Tangible Assets | 11.95% | 11.09% | +0.86% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.91% | 80.63% | +12.28% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.21% | 86.86% | +1.35% | 45th below |
| Wholesale Funding Ratio | 0.95% | 5.03% | -4.08% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.02% | 6.85% | +0.17% | 69th above |
| Loan Growth (Y/Y) | 14.20% | 7.90% | +6.30% | 85th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.90% | 6.29% | -0.39% | 63rd above |
See The Cornerstone Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The 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 The Cornerstone Bank profile, how to read a UBPR, or how this data updates.