Cornerstone Capital Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone Capital Bank, SSB of Houston, TX against its peer group of 931 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 | 0.57% | 1.44% | -0.87% | 11th bottom |
| ROAE | 5.22% | 12.51% | -7.29% | 11th bottom |
| Net Interest Margin | 3.30% | 3.84% | -0.54% | 26th below |
| Efficiency Ratio | 83.20% | 58.85% | +24.35% | 5th bottom |
| PPNR / Avg Assets | 1.81% | 1.78% | +0.03% | 58th above |
| Yield on Earning Assets | 5.89% | 5.71% | +0.18% | 71st above |
| Cost of Funds | 2.58% | 2.03% | +0.55% | 20th bottom |
| Net Interest Spread | 2.64% | 3.18% | -0.54% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.06% | 0.96% | +0.10% | 30th below |
| NPA / Total Assets | 0.92% | 0.75% | +0.17% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.31% | -0.22% | 30th below |
| ACL / Total Loans | 0.59% | 1.25% | -0.66% | 5th bottom |
| ACL / NPLs (Coverage) | 55.60% | 699.55% | -643.95% | 11th bottom |
| Texas Ratio | 29.13% | 7.14% | +21.99% | 2nd bottom |
| Provision / NCO | -25.24% | 815.64% | -840.88% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.26% | 11.60% | -1.34% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.78% | 11.33% | -0.55% | 57th above |
| TCE / Tangible Assets | 9.46% | 10.65% | -1.19% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.99% | 86.33% | +23.66% | 5th bottom |
| Core Deposit Ratio | 89.82% | 85.55% | +4.27% | 57th above |
| Uninsured Deposit Ratio | 25.72% | 32.72% | -7.00% | 70th above |
| Wholesale Funding Ratio | 19.32% | 5.43% | +13.89% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 59.40% | 10.40% | +49.00% | 99th top |
| Loan Growth (Y/Y) | 67.54% | 7.93% | +59.61% | 99th top |
| Deposit Growth (Y/Y) | 59.77% | 7.92% | +51.85% | 99th top |
See Cornerstone Capital Bank, SSB's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone Capital Bank, SSB, 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 Cornerstone Capital Bank, SSB profile, how to read a UBPR, or how this data updates.