Cornerstone Community Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Cornerstone Community Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was -$573K in Q3 2026.
What the income and expense page covers and where each line comes from.
Open the full profitability analysis: return on equity taken apart into each income statement line's share of average assets and the leverage on equity, what moved it since a year earlier, and peers measured the same way.
Efficiency ratio climbed 65.43 percentage points in Q3 2026, from 171.43% to 236.86%. It was the largest change from Q2 2026 among the key lines here. On return on assets, Cornerstone Community Bank is 1st from the bottom among 120 Kentucky banks, -4.79% (Q3 2026). Against a median of 0.98% for banks in the < $100M asset tier, Cornerstone Community Bank reported -4.79% on return on assets in Q3 2026, 5.77 points lower.
Net income
| Line item | Q3 2026 |
|---|---|
| Net income | -$573K |
| Return on assets | -4.79% |
| Return on equity | -9.16% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $107K |
| Total interest expense | $189K |
| Interest expense on deposits | $189K |
| Net interest margin | 2.56% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Noninterest income and expense
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $784K |
| Salaries and general administrative expense | $553K |
| Amortization of intangibles | $0 |
| Other noninterest expense | $231K |
| Efficiency ratio | 236.86% |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $3.5M |
| Revenue per employee | $88K |
| Full-time equivalent employees | 15 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $120K |
| Provision expense to average assets | 1.00% |
| Realized gain/(loss) on securities | $0 |
Source: Call Report Schedule RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Income and Expense trend
Income and Expense by quarter
| Quarter | Net income | Return on assets | Efficiency ratio |
|---|---|---|---|
| Q2 2026 | -$75K | -3.38% | 171.43% |
| Q3 2026 | -$573K | -4.79% | 236.86% |
Cornerstone Community Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, Q3 2026. How these pages are built. See the full Cornerstone Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59379) · FFIEC NIC profile (RSSD 6152572)