Bank call report · Owensboro, KY
Cornerstone Community Bank Call Report
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Cornerstone Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 138 reported line items, schedule by schedule (901 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 6152572 |
| FDIC certificate number | 59379 |
| Total assets | $44.5M |
Official Q2 2026 call report PDF (FFIEC) →
Cornerstone Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (19 items)
About Schedule RC · Cornerstone Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $44.5M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $44.5M |
| Interest-bearing Balances | RCON0071 | $38.1M |
| Total Equity Capital | RCON3210 | $24.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $24.6M |
| Total Liabilities and Minority Interest | RCON2948 | $19.9M |
| Total Deposits | RCON2200 | $19.9M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $17.0M |
| Common Stock | RCON3230 | $13.0M |
| Surplus | RCON3839 | $13.0M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.1M |
| Deposits: Noninterest-bearing | RCON6631 | $2.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.8M |
| Undivided Profits and Capital Reserves | RCON3632 | -$1.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $382K |
| Allowance for Loan and Lease Losses | RCON3123 | $30K |
| Other Assets | RCON2160 | $26K |
| Other Liabilities, Total | RCON2930 | $10K |
Schedule RI: Income Statement (24 items)
About Schedule RI · Cornerstone Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $108K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$75K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$75K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$75K |
| Net Income (Loss) | RIAD4340 | -$75K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$75K |
| Salaries and Employee Benefits | RIAD4135 | $72K |
| Total Interest Income | RIAD4107 | $72K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $68K |
| Net Interest Income | RIAD4074 | $50K |
| Provision for Loan and Lease Losses | RIAD4230 | $30K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $30K |
| Other Noninterest Expense | RIAD4092 | $25K |
| Total Interest Expense | RIAD4073 | $22K |
| Other Noninterest Income | RIADB497 | $13K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $13K |
| Total Noninterest Income | RIAD4079 | $13K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $11K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $7K |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4K |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $3K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2K |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 10 |
Schedule RC-C, Part I: Loans and Leases (9 items)
About Schedule RC-C, Part I · Cornerstone Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $2.4M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $2.4M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $436K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $436K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $245K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $191K |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $191K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $30K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $543K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $390K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 2 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1 |
Schedule RC-E: Deposit Liabilities (14 items)
About Schedule RC-E · Cornerstone Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $15.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $15.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $5.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $5.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $4.9M |
| Total Transaction Accounts | RCON2215 | $4.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $4.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $637K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $576K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $554K |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $457K |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $11K |
Schedule RC-F: Other Assets (3 items)
Schedule RC-G: Other Liabilities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $10K |
Schedule RC-K: Quarterly Averages (10 items)
About Schedule RC-K · Cornerstone Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $8.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $714K |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $253K |
| Quarterly Average of Total Loans | RCON3360 | $187K |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $187K |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $169K |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $16K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Cornerstone Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? | RCONL133 | 1 |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Cornerstone Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $19.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $16.3M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $8.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $8.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $3.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 126 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 15 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Cornerstone Community Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $11.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (16 items)
About Schedule RC-R, Part I · Cornerstone Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $26.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $24.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $24.6M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $24.6M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $24.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $24.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $11.2M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $8.9M |
| Average total consolidated assets | RCOAKW03 | $8.9M |
| Retained Earnings | RCOAKW00 | -$1.5M |
| Does your institution have a CECL transition election in effect as of the quarter end report date? (enter 1 for Yes, enter 0 for No) | RCOAJJ29 | 1 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 2.7716 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 2.2054 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 2.2054 |
| Total Risk-based Capital Ratio | RCOA7205 | 2.2054 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 2.1254 |
Schedule RC-R, Part II: Risk-Weighted Assets (24 items)
About Schedule RC-R, Part II · Cornerstone Community Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $41.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $40.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $40.4M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $40.4M |
| Total Risk-weighted Assets | RCONG641 | $11.2M |
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $11.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $8.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.8M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.4M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $813K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $813K |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $813K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $436K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $436K |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $436K |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $436K |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $408K |
| Total All Other Assets | RCOND981 | $408K |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $218K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$30K |
| Standardized Market Risk-weighted Assets Applicable Only to Hcs That Are Covered by Market Risk Capital Rule | RCONS581 | $1K |
Schedule RI-A: Changes in Bank Equity Capital (3 items)
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (1 item)
About Schedule RI-B, Part II · Cornerstone Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $30K |
Cornerstone Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
Where can I find the Cornerstone Community Bank call report?
The Cornerstone Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Cornerstone Community Bank file?
Cornerstone Community Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Cornerstone Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Cornerstone Community Bank has Federal Reserve RSSD ID 6152572 and FDIC certificate number 59379. Either one finds its filings on the FFIEC Central Data Repository.
How often does Cornerstone Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Cornerstone Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 59379) · FFIEC NIC profile (RSSD 6152572)