Cornerstone Community Bank
Cornerstone Community Bank is an FDIC-insured commercial bank headquartered in Owensboro, KY, supervised by the FDIC, with $52.7M in total assets at Q3 2026, the 115th largest of 120 banks headquartered in Kentucky. It was established in 2026 and holds FDIC certificate 59379.
Also written as CCB
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59379
- Headquarters
- Owensboro, KY
- Established
- 2026
- Total assets, Q3 2026
- $52.7M
- Capital ratio
- Not reported
- Domestic offices
- 1 branch
- Routing number
- 083908640
- Latest call report
- Q3 2026, FFIEC 051 · Cornerstone Community Bank call report
- Asset rank in state
- 115th of 120 in Kentucky
Cornerstone Community Bank spends more to run itself than most banks of its size. Based in Owensboro, Kentucky, it had $53 million in assets at September 30, 2026. It loses about $4.79 a year on every $100 of assets, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median $1.03). It also keeps 2.56 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.99 cents).
It lost $573,000 in the quarter. Funding is the softer spot: it pays an average of 3.14% on its deposits and borrowings, about double the median of 1.58% for banks its size.
As of September 30, 2026, Cornerstone Community Bank reported a return on assets of -4.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q3 2026, Cornerstone Community Bank is the 115th largest of the 120 banks headquartered in Kentucky. From Q2 2026 to Q3 2026, its total assets rose 18.4% to $52.7M, loans rose 285.6% and deposits rose 37.0%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 22.9% of total loans, followed by owner-occupied commercial real estate loans at 21.4%. Its one office in the FDIC Summary of Deposits is in Owensboro, KY. On its Q3 2026 call report, Cornerstone Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1819 Frederica St, Owensboro, KY 42301
- County
- Daviess
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 2026
- Domestic offices
- 1 branch
- Employees (FTE)
- 15
- Domestic deposits
- $27.2M
- Allowance for credit losses
- $150K
- Net charge-offs (YTD)
- $0
- Average total assets
- $47.8M
- Average total loans
- $6.3M
- Average interest-bearing deposits
- $22.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 2026
- FDIC Cert
- 59379
- Fed RSSD
- 6152572
- Website
- ourccbank.com →
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Cornerstone Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Inside the full Cornerstone Community Bank terminal
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Branch Network
View the branch → 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 |
|---|---|---|---|
| Cornerstone Community Bank (main office) | Owensboro , KY | 42301 | $19.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KY, rank 150 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Cornerstone Community Bank
What are Cornerstone Community Bank's total assets?
As of the Q3 2026 filing, Cornerstone Community Bank reported total assets of $52.7 million in its FFIEC call report.
Where is Cornerstone Community Bank headquartered?
It is headquartered in Owensboro, KY, United States.
When was Cornerstone Community Bank founded?
It was established in 2026, per the FDIC institution directory.
Is Cornerstone Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59379). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Community Bank?
Cornerstone Community Bank's primary federal regulator is the FDIC.
How many branches does Cornerstone Community Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone Community Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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