Cornerstone Community Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Cornerstone Community Bank reported 19 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. It elected the community bank leverage ratio, so it files no CET1 capital ratio, tier 1 risk-based capital ratio and total risk-based capital ratio; the Tier 1 leverage ratio is its capital test. Tier 1 leverage ratio was 53.22% in Q3 2026.
What the vital signs page covers and where each line comes from.
Tier 1 leverage ratio dropped 223.94 percentage points in Q3 2026, from 277.16% to 53.22%. It was the largest change from Q2 2026 among the key lines here. Cornerstone Community Bank has the 1st lowest return on assets of the 120 banks headquartered in Kentucky, at -4.79% as of 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.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | Not applicable (CBLR) |
| Tier 1 risk-based capital ratio | Not applicable (CBLR) |
| Total risk-based capital ratio | Not applicable (CBLR) |
| Tier 1 leverage ratio | 53.22% |
| Equity capital to assets | 48.26% |
| Tangible equity to tangible assets | 48.26% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies. What the community bank leverage ratio is.
Source: Call Report Schedules RC, RC-N, RC-R and RI; Tier 1 leverage ratio: Call Report Schedule RC-R, Part I (RCOA7204). Open the filed call report for Q3 2026 on the FFIEC CDR.
Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of nonperforming loans | — |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | -4.79% |
| Return on equity | -9.16% |
| Net interest margin | 2.56% |
| Efficiency ratio | 236.86% |
| Yield on earning assets | 4.19% |
| Cost of funds | 3.14% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 40.70% |
| Core deposits to total deposits | 76.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 51.71% |
| Securities to assets | 42.60% |
Source: Call Report Schedules RC, RC-N, RC-R and RI. Open the filed call report for Q3 2026 on the FFIEC CDR.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q2 2026 | 277.16% | -3.38% | 2.44% | 0.00% | 0.00% |
| Q3 2026 | 53.22% | -4.79% | 2.56% | 0.00% | 0.00% |
Cornerstone Community Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)