Cornerstone Bank (York, NE): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Cornerstone Bank. The York, Nebraska bank had $2.7 billion in assets at June 30, 2026, down 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.55% of loans from 0.75% a year earlier. It shrank its loan book 2.3% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also carries problem assets equal to 12.2% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $9.1 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $36 million equal 13% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, Cornerstone Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 12.15%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 529 N Lincoln Ave, York, NE 68467
- County
- York
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 22, 1882
- Former names
- Cornerstone Bank, National Association (1997-2006)
- Offices
- 50 domestic
- Employees (FTE)
- 514
- Domestic deposits
- $2.31B
- Allowance for credit losses
- $24.1M
- Net charge-offs (YTD)
- $1.9M
- Average total assets
- $2.71B
- Average total loans
- $2.07B
- Average interest-bearing deposits
- $2.02B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5496
- Fed RSSD
- 403151
- Website
- www.cornerstoneconnect.com →
- Parent Holding Company
- FIRST YORK BAN CORP. (RSSD 1050646)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. 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.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Cornerstone Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Cornerstone Bank, freeCornerstone Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.88% | 1.35% | 1.29% | 12.15% | 3.45% |
| Q1 2026 | 9.72% | 1.14% | 0.41% | 4.65% | 3.39% |
| Q4 2025 | 9.39% | 1.18% | 0.41% | 3.74% | 3.32% |
| Q3 2025 | 9.05% | 1.15% | 0.59% | 12.19% | 3.27% |
| Q2 2025 | 8.85% | 1.16% | 0.68% | 6.68% | 3.15% |
| Q1 2025 | 8.61% | 0.98% | 0.32% | 3.29% | 3.02% |
| Q4 2024 | 8.46% | 0.97% | 0.33% | 3.57% | 2.87% |
| Q3 2024 | 8.41% | 0.92% | 0.38% | 4.11% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 48 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cornerstone Bank (main office) | York , NE | 68467 | $850.9M |
| The Albion National Bank Branch | Albion , NE | 68620 | $116.3M |
| Aurora Branch | Aurora , NE | 68818 | $80.1M |
| Stromsburg Branch | Stromsburg , NE | 68666 | $74.3M |
| Sutton Branch | Sutton , NE | 68979 | $73.3M |
| Geneva Branch | Geneva , NE | 68361 | $68.6M |
| Central City Branch | Central City , NE | 68826 | $57.9M |
| 810 North Diers Aveneu Branch | Grand Island , NE | 68803 | $57.8M |
| Monroe Branch | Monroe , NE | 68647 | $55.6M |
| Tilden Branch | Tilden , NE | 68781 | $55.3M |
| Franklin Branch | Franklin , NE | 68939 | $52.2M |
| City State Bank-Clay Center | Clay Center , NE | 68933 | $49.3M |
| Shelton Branch | Shelton , NE | 68876 | $48.9M |
| Murray Branch | Murray , NE | 68409 | $41.7M |
| Citizens State Bank Branch | Clearwater , NE | 68726 | $37.5M |
| Columbus Branch | Columbus , NE | 68601 | $36.9M |
| Henderson Branch | Henderson , NE | 68371 | $36.6M |
| Harvard Branch | Harvard , NE | 68944 | $32.8M |
| Davenport Frontier Branch | Davenport , NE | 68335 | $32.2M |
| Orchard Branch | Orchard , NE | 68764 | $31.3M |
| Wilcox Branch | Wilcox , NE | 68982 | $30.4M |
| Hildreth Branch | Hildreth , NE | 68947 | $30.4M |
| Bank of St. Edward Branch | Saint Edward , NE | 68660 | $29.9M |
| Beaver Lake Branch | Plattsmouth , NE | 68048 | $29.4M |
| Malmo Branch | Malmo , NE | 68040 | $27.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 5, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2024 | Structure Change | Acquired Bank of Orchard Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 25, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2022 | Structure Change | Acquired Ashton State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 7, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 7, 2021 | Structure Change | Acquired The Tilden Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2019 | Structure Change | Acquired Security Home Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 30, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 30, 2018 | Structure Change | Acquired Franklin State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 6, 2017 | Structure Change | Acquired The Murray State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2016 | Structure Change | Acquired The State Bank of Hildreth Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2015 | Structure Change | Acquired The Guide Rock State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 18, 2015 | Structure Change | Acquired North Loup Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2014 | Structure Change | Acquired Bank of Marquette Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2013 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| April 11, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2012 | Structure Change | Acquired Frontier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 6, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 6, 2011 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2010 | Structure Change | Acquired Harvard State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 11, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 11, 2008 | Structure Change | Acquired Bank of St. Edward Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 22, 2005 | Structure Change | Acquired City State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 21, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2002 | Structure Change | Acquired Citizens State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 22, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 2001 | Structure Change | Acquired The First National Bank of Stromsburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2000 | Structure Change | Acquired Bank of Monroe Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| July 11, 1992 | Structure Change | Acquired First Trust Company of York Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 1990 | Structure Change | Acquired First Federal Savings Association of York Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 22, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 1985 | Structure Change | Acquired Blue River Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 44 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Cornerstone Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.4% of deposits in NE, rank 7 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 201 applications, 121 loans originated, $53.2M originated, across 8 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $360K approved, $360K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Cornerstone Bank
What are Cornerstone Bank's total assets?
As of the Q2 2026 filing, Cornerstone Bank reported total assets of $2.73 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Cornerstone Bank headquartered?
Cornerstone Bank is headquartered in York, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Cornerstone Bank founded?
Cornerstone Bank was established in 1882, per the FDIC institution directory.
Is Cornerstone Bank FDIC-insured?
Yes. Cornerstone Bank is an FDIC-insured commercial bank (FDIC Certificate #5496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Cornerstone Bank?
Cornerstone Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Cornerstone Bank operate?
Cornerstone Bank operates 50 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Cornerstone Bank's Texas Ratio?
Cornerstone Bank's Texas Ratio is 12.15% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Cornerstone Bank previously called?
The charter now named Cornerstone Bank has also operated as Cornerstone Bank, National Association (1997-2006), per FDIC structure-change records.
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