The Cornerstone Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.23 percentage points higher than in Q1 2026, at 149.76%. The Cornerstone Bank ranks 69th of 192 Missouri banks on return on assets, in the upper half at 1.69% (Q2 2026). The Cornerstone Bank reported 1.69% on return on assets for Q2 2026, 0.44 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.18% |
| Equity capital to assets | 11.95% |
| Tangible equity to tangible assets | 11.95% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 1.42% |
| Texas ratio | 10.81% |
| Allowance for credit losses to loans | 1.68% |
| Reserve coverage of non-performing loans | 149.76% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.69% |
| Return on equity | 14.29% |
| Net interest margin | 5.51% |
| Efficiency ratio | 55.76% |
| Yield on earning assets | 7.58% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.91% |
| Core deposits to total deposits | 88.21% |
| Brokered deposits to total deposits | 2.01% |
| Deposits to assets | 86.73% |
| Securities to assets | 12.44% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.83% | 18.83% | 20.09% | 12.63% | 1.34% |
| Q4 2023 | 18.38% | 18.38% | 19.64% | 12.44% | 0.83% |
| Q1 2024 | 18.57% | 18.57% | 19.82% | 12.55% | 1.51% |
| Q2 2024 | 18.37% | 18.37% | 19.63% | 12.14% | 0.82% |
| Q3 2024 | 18.77% | 18.77% | 20.03% | 12.30% | 1.75% |
| Q4 2024 | 18.74% | 18.74% | 20.00% | 12.17% | 0.48% |
| Q1 2025 | 19.25% | 19.25% | 20.51% | 12.60% | 1.95% |
| Q2 2025 | — | — | — | 12.52% | 1.38% |
| Q3 2025 | 18.70% | 18.70% | 19.96% | 12.41% | 1.21% |
| Q4 2025 | — | — | — | 12.25% | 1.45% |
| Q1 2026 | — | — | — | 12.27% | 1.35% |
| Q2 2026 | — | — | — | 12.18% | 1.69% |
The Cornerstone Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cornerstone Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9388) · FFIEC NIC profile (RSSD 312356)