Cornerstone National Bank & Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Retained earnings rose 4.8% in Q2 2026 to $68.0M, the biggest move on this page. Cornerstone National Bank & Trust Company ranks 159th of 198 Illinois banks on CET1 ratio, in the lower half at 11.97% (Q2 2026). Cornerstone National Bank & Trust Company reported 11.97% on CET1 ratio for Q2 2026, 1.51 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.97% |
| Tier 1 risk-based capital ratio | 11.97% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 10.36% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $106.4M |
| Tier 1 capital | $106.4M |
| Total risk-based capital | $116.5M |
| Total equity capital | $104.3M |
| Risk-weighted assets | $888.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.35% |
| Tangible equity to tangible assets | 10.35% |
| Equity capital to average assets | 10.16% |
| Internal capital growth rate | 12.43% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.9M |
| Common stock surplus | $32.5M |
| Retained earnings | $68.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 13.38% | 9.58% | $764.0M |
| Q4 2023 | 12.56% | 12.56% | 13.64% | 9.60% | $764.0M |
| Q1 2024 | 12.73% | 12.73% | 13.85% | 9.66% | $750.4M |
| Q2 2024 | 12.55% | 12.55% | 13.67% | 9.75% | $770.3M |
| Q3 2024 | 12.94% | 12.94% | 14.06% | 9.80% | $767.7M |
| Q4 2024 | 13.43% | 13.43% | 14.60% | 10.00% | $762.3M |
| Q1 2025 | 13.18% | 13.18% | 14.33% | 10.29% | $774.3M |
| Q2 2025 | 13.00% | 13.00% | 14.13% | 10.32% | $789.5M |
| Q3 2025 | 12.75% | 12.75% | 13.86% | 10.25% | $823.9M |
| Q4 2025 | 12.04% | 12.04% | 13.14% | 9.86% | $858.9M |
| Q1 2026 | 11.71% | 11.71% | 12.80% | 10.03% | $881.0M |
| Q2 2026 | 11.97% | 11.97% | 13.10% | 10.36% | $888.8M |
Cornerstone National Bank & Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone National Bank & Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Cornerstone National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57061) · FFIEC NIC profile (RSSD 2929392)