Cornerstone Capital Bank, SSB: 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 Loan-to-deposit ratio: 14.32 percentage points higher than in Q1 2026, at 109.99%. Within Texas, Cornerstone Capital Bank, SSB is 308th of 345 on return on assets, 0.57% as of Q2 2026, below the middle of the field. Cornerstone Capital Bank, SSB's return on assets of 0.57% is well below the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.26% |
| Equity capital to assets | 10.78% |
| Tangible equity to tangible assets | 9.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.06% |
| Non-performing assets ratio | 0.92% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 29.13% |
| Allowance for credit losses to loans | 0.59% |
| Reserve coverage of non-performing loans | 55.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 5.22% |
| Net interest margin | 3.30% |
| Efficiency ratio | 83.20% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.99% |
| Core deposits to total deposits | 89.82% |
| Brokered deposits to total deposits | 4.23% |
| Deposits to assets | 64.64% |
| Securities to assets | 6.49% |
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 | 20.14% | 22.02% | 22.36% | 13.29% | -0.40% |
| Q4 2023 | 26.67% | 28.97% | 29.36% | 15.01% | -1.57% |
| Q1 2024 | 24.35% | 26.48% | 26.94% | 14.96% | 1.03% |
| Q2 2024 | 26.85% | 29.13% | 29.64% | 15.69% | 0.75% |
| Q3 2024 | 26.08% | 28.34% | 28.93% | 14.24% | 0.92% |
| Q4 2024 | 24.08% | 26.38% | 26.97% | 13.36% | 0.47% |
| Q1 2025 | 24.17% | 26.34% | 26.97% | 14.61% | 1.26% |
| Q2 2025 | 21.97% | 23.90% | 24.50% | 14.23% | 0.57% |
| Q3 2025 | 22.40% | 24.41% | 25.02% | 15.12% | 0.67% |
| Q4 2025 | 19.25% | 21.18% | 21.76% | 15.08% | 0.25% |
| Q1 2026 | 14.57% | 16.03% | 16.73% | 13.79% | -0.47% |
| Q2 2026 | — | — | — | 10.26% | 0.57% |
Cornerstone Capital Bank, SSB vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone Capital Bank, SSB, 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 Cornerstone Capital Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1213) · FFIEC NIC profile (RSSD 2891622)