Cornerstone National Bank & Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Cornerstone National Bank & Trust Company of Palatine, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.28% | 1.44% | -0.16% | 50th above |
| ROAE | 12.81% | 12.50% | +0.31% | 53rd above |
| Net Interest Margin | 4.03% | 3.84% | +0.19% | 70th above |
| Efficiency Ratio | 57.23% | 58.87% | -1.64% | 54th above |
| PPNR / Avg Assets | 1.99% | 1.78% | +0.21% | 68th above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.53% | 5.71% | -0.18% | 50th above |
| Cost of Funds | 1.65% | 2.03% | -0.38% | 73rd above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.10% | 3.18% | -0.08% | 52nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.97% | -0.94% | 95th top |
| NPA / Total Assets | 0.02% | 0.75% | -0.73% | 94th top |
| NCO / Avg Loans | 0.01% | 0.31% | -0.30% | 67th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.25% | -0.01% | 64th above |
| ACL / NPLs (Coverage) | 4692.42% | 694.41% | +3998.01% | — |
| Texas Ratio | 0.18% | 7.17% | -6.99% | 95th top |
| Provision / NCO | 6600.00% | 806.79% | +5793.21% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.97% | 17.41% | -5.44% | 24th bottom |
| Tier 1 Ratio | 11.97% | 17.45% | -5.48% | 23rd bottom |
| Total Capital Ratio | 13.10% | 18.51% | -5.41% | 24th bottom |
| Leverage Ratio | 10.36% | 11.60% | -1.24% | 47th below |
| Equity / Assets | 10.35% | 11.33% | -0.98% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.35% | 10.65% | -0.30% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.89% | 86.35% | +2.54% | 48th below |
| Core Deposit Ratio | 96.50% | 85.54% | +10.96% | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.79% | 10.47% | -9.68% | 21st bottom |
| Loan Growth (Y/Y) | 16.11% | 7.98% | +8.13% | 88th top |
| Deposit Growth (Y/Y) | 0.58% | 7.99% | -7.41% | 22nd bottom |
See Cornerstone National Bank & Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Cornerstone National Bank & Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Cornerstone National Bank & Trust Company profile, how to read a UBPR, or how this data updates.