Cornerstone National Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Cornerstone National Bank & Trust Company is an FDIC-insured commercial bank headquartered in Palatine, IL, established in 2000 (FDIC certificate 57061), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.01B, up 0.8% from Q2 2025, the 53rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 11.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57061
- Headquarters
- Palatine, IL
- Established
- 2000
- Total assets, Q2 2026
- $1.01B
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 11.97%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071926155
- Latest call report
- Q2 2026, FFIEC 051 · Cornerstone National Bank & Trust Company call report
- Holding company
- CORNERSTONE BANCORP, INC.
- Asset rank in state
- 53rd of 319 in Illinois
Cornerstone National Bank & Trust Company, based in Palatine, Illinois, reported $1.0 billion in assets at June 30, 2026. It carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew its loan book 16.1% over the year, about triple the median of 5.9% for banks its size.
Net income for the quarter rose 10% from a year earlier, to $3.3 million. Over the same year, loans grew 16.1% and deposits grew 0.6%. Where it has less room is capital: it holds common equity equal to 11.97% of its risk-weighted assets, lower than about three-quarters of banks its size (median 13.52%).
As of June 30, 2026, Cornerstone National Bank & Trust Company reported a CET1 capital ratio of 11.97%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Cornerstone National Bank & Trust Company is the 53rd largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 1.2% to $1.01B, loans rose 3.3% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 28.2% of total loans, ahead of owner-occupied commercial real estate loans at 27.9%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Palatine office books 46% of its branch deposits. By the capital ratios in its Q2 2026 call report, Cornerstone National Bank & Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 W Northwest Hwy, Palatine, IL 60067
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 16, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 102
- Domestic deposits
- $897.0M
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $10K
- Average total assets
- $1.03B
- Average total loans
- $783.6M
- Average interest-bearing deposits
- $634.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 2000
- FDIC Cert
- 57061
- Fed RSSD
- 2929392
- SEC CIK
- 1123211 → filed by CORNERSTONE BANCORP, INC.
- Website
- www.cnbtc.bank →
- Parent Holding Company
- CORNERSTONE BANCORP, INC. (RSSD 2929383)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Cornerstone National Bank & Trust Company's total assets ran between $958.3M (Q4 2023) and $1.03B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.01B total assets against $999.7M; $903.3M total liabilities against $900.0M.
$787.4M net loans and leases against $678.0M; $897.0M total deposits against $891.8M.
$131.7M securities against $204.5M; $73.7M cash and balances due against $102.4M.
$13.9M total interest income against $13.4M; $3.8M total interest expense against $4.2M.
$10.2M net interest income against $9.1M.
$1.8M total noninterest income against $1.4M; $6.8M total noninterest expense against $6.4M.
$480K provision for credit losses against $0.
$3.3M net income against $3.0M.
1.28% return on assets against 1.20%; 4.03% net interest margin against 3.75%.
11.97% CET1 capital ratio against 13.00%; 10.36% tier 1 leverage ratio against 10.32%.
Inside the full Cornerstone National Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Cornerstone National Bank & Trust Company rankings
Its closest position to the top of a national ranking is 1,030 of 4,196, for total assets; its furthest is 3,160 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.91% (Q1 2025) to 1.28% (Q2 2026) and its net interest margin ran from 3.47% (Q3 2024) to 4.03% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 1.28% | 0.03% | 0.18% | 4.03% |
| Q1 2026 | 11.71% | 1.00% | 0.03% | 0.47% | 3.89% |
| Q4 2025 | 12.04% | 1.23% | 0.06% | 0.38% | 3.87% |
| Q3 2025 | 12.75% | 1.22% | 0.09% | 0.60% | 3.89% |
| Q2 2025 | 13.00% | 1.20% | 0.10% | 0.63% | 3.75% |
| Q1 2025 | 13.18% | 0.91% | 0.12% | 0.72% | 3.54% |
| Q4 2024 | 13.43% | 1.25% | 0.10% | 0.60% | 3.47% |
| Q3 2024 | 12.94% | 1.14% | 0.14% | 0.86% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → 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 National Bank & Trust Company (main office) | Palatine , IL | 60067 | $415.2M |
| Naperville Business Banking Center Branch | Naperville , IL | 60563 | $143.9M |
| Crystal Lake Branch | Crystal Lake , IL | 60014 | $139.8M |
| Schaumburg Banking Center Branch | Schaumburg , IL | 60173 | $114.0M |
| Deer Park Branch | Deer Park , IL | 60010 | $84.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC). These actions name the parent holding company, CORNERSTONE BANCORP, INC., not the bank itself
- November 24, 2009, OCC: Formal Agreement: Cornerstone Bank & Trust, National Association
- Period: Most recent institution action November 24, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 70 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 145 applications, 124 loans originated, $69.2M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.5M approved, $3.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank & Trust Company
What are Cornerstone National Bank & Trust Company's total assets?
As of the Q2 2026 filing, Cornerstone National Bank & Trust Company reported total assets of $1.01 billion in its FFIEC call report.
Where is Cornerstone National Bank & Trust Company headquartered?
It is headquartered in Palatine, IL, United States.
When was Cornerstone National Bank & Trust Company founded?
It was established in 2000, per the FDIC institution directory.
Is Cornerstone National Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone National Bank & Trust Company?
Cornerstone National Bank & Trust Company's primary federal regulator is the OCC.
What is Cornerstone National Bank & Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Cornerstone National Bank & Trust Company operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone National Bank & Trust Company's Texas Ratio?
Its Texas Ratio is 0.18% in its Q2 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 non-performing assets against the bank's capital and reserves.
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