Cornerstone National Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 366.27 percentage points higher than in Q1 2026, at 4692.42%. Cornerstone National Bank & Trust Company ranks 140th of 323 Illinois banks on return on assets, in the upper half at 1.28% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Cornerstone National Bank & Trust Company reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.97% |
| Tier 1 risk-based capital ratio | 11.97% |
| Total risk-based capital ratio | 13.10% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 10.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 4692.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.81% |
| Net interest margin | 4.03% |
| Efficiency ratio | 57.23% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.89% |
| Core deposits to total deposits | 96.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.03% |
| Securities to assets | 13.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.29% | 12.29% | 13.38% | 9.58% | 1.20% |
| Q4 2023 | 12.56% | 12.56% | 13.64% | 9.60% | 1.10% |
| Q1 2024 | 12.73% | 12.73% | 13.85% | 9.66% | 0.97% |
| Q2 2024 | 12.55% | 12.55% | 13.67% | 9.75% | 0.91% |
| Q3 2024 | 12.94% | 12.94% | 14.06% | 9.80% | 1.14% |
| Q4 2024 | 13.43% | 13.43% | 14.60% | 10.00% | 1.25% |
| Q1 2025 | 13.18% | 13.18% | 14.33% | 10.29% | 0.91% |
| Q2 2025 | 13.00% | 13.00% | 14.13% | 10.32% | 1.20% |
| Q3 2025 | 12.75% | 12.75% | 13.86% | 10.25% | 1.22% |
| Q4 2025 | 12.04% | 12.04% | 13.14% | 9.86% | 1.23% |
| Q1 2026 | 11.71% | 11.71% | 12.80% | 10.03% | 1.00% |
| Q2 2026 | 11.97% | 11.97% | 13.10% | 10.36% | 1.28% |
Cornerstone National Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone National Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)