BlastPoint's Banking Scorecard

Cornerstone Capital Bank, SSB

$1B-$10B Specialty: Other TX FDIC cert 1213

Houston, TX

19 branches across TX · WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
Deposits +59.8% year over year ($2.4B on the books).
Delinquency rate 3.64%.
Return on assets 0.11%.
Efficiency ratio 88.46% vs a 59.73% peer average.
Loan-to-deposit ratio 109.34% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX

View $1B-$10B leaderboard (TX) →

Cornerstone Capital Bank, SSB has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest Income / Assets 3.36% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.0% in tier
- Return on Assets 1.28% below tier average
- Delinquency Rate 2.78% above tier average
- Loan-to-Deposit Ratio 24.31% above tier average
- Nonperforming Asset Ratio 2.07% above tier average
- Net Interest Margin 0.92% below tier average

Get updates when Cornerstone Capital Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$3.7B +59.4% YoY -3.5% QoQ	+$873.3M	$2.8B -0.6% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$2.6B +67.4% YoY +6.2% QoQ	+$628.3M	$2.0B -0.3% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$2.4B +59.8% YoY -7.7% QoQ	+$51.2M	$2.3B -0.5% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	0.11% -87.7% YoY +127.3% QoQ	-1.28%	1.39% +17.0% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Bottom 2.0% in tier
Net Interest Margin ?	2.95% +31.0% YoY +23.0% QoQ	-0.92%	3.87% +6.2% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 13.3% in tier
Efficiency Ratio ?	88.46% +6.5% YoY -6.9% QoQ	+28.73%	59.73% -12.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 2.3% in tier
Delinquency Rate ?	3.64% +36.9% YoY +0.7% QoQ	+2.78%	0.87% +11.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 2.9% in tier
Loan-to-Deposit Ratio ?	109.34% +4.8% YoY +15.1% QoQ	+24.31%	85.04% -0.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 4.7% in tier
Non-Interest-Bearing Deposit Share ?	29.73% +39.3% YoY +10.5% QoQ	+8.45%	21.27% -1.5% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	2.75% +47.6% YoY +12.0% QoQ	+2.07%	0.67% +11.7% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 3.4% in tier
Tier 1 Capital Ratio ?	10.26% -57.1% YoY -36.0% QoQ	-4.58%	14.84% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 8.2% in tier
Non-Interest Income / Assets ?	3.89% -42.1% YoY +127.4% QoQ	+3.36%	0.53% +2.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 1.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	29.7% +8.4pp YoY +2.8pp QoQ	+8.4pp	21.4%	29.2%	22.2%	84%
Brokered Deposits	4.2% -14.4pp YoY -6.5pp QoQ	-5.2pp	9.5%	8.0%	8.5%	43%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	9.8% -0.4pp YoY +0.1pp QoQ	-4.2pp	14.0%	14.8%	12.5%	43%
CRE	24.7% +9.8pp YoY -0.4pp QoQ	-25.3pp	50.0%	48.4%	41.4%	8%
1-4 Family	54.5% -18.1pp YoY +0.4pp QoQ	+28.1pp	26.4%	25.8%	31.3%	92%
Consumer	0.6% +0.4pp YoY 0.0pp QoQ	-4.1pp	4.7%	4.7%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.7%	19.7%	n/a
Leverage Ratio	10.3% -4.0pp YoY -3.5pp QoQ	-1.1pp	11.3%	12.6%	12.6%	44%
Total Capital Ratio	n/a	n/a	16.7%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	1,571 +171 (+12.2%) YoY +2 (+0.1%) QoQ	+1,257	313	186	482	100%
Assets per Employee ($)	$2.3M +42.1% YoY -3.6% QoQ	-$8.1M	$10.5M	$10.1M	$8.8M	1%
Branch Count	19 +12 (+171.4%) YoY 0 QoQ	-1	20	12	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	2.7% +1.3pp YoY +0.1pp QoQ	+2.6pp	0.2%	0.3%	0.4%	99%
Nonaccrual	0.9% -0.3pp YoY -0.1pp QoQ	+0.1pp	0.8%	1.0%	1.0%	72%
Allowance Coverage	0.16x -17.3% YoY -14.7% QoQ	-18.55x	18.71x	18.82x	20.23x	0%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	1.0% -5.5pp YoY +4.6pp QoQ	-11.6pp	12.6%	13.2%	11.6%	2%
Cost of Funds (YTD)	2.7% -0.8pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.6%	1.7%	89%
Net Income ($, YTD)	$1.9M -82.5% YoY — QoQ	-$17.4M	$19.2M	$15.9M	$40.4M	3%

Get Full Access to Cornerstone Capital Bank, SSB

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#7 of 60 • Bottom 10.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.46%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 3.89%

Peer Median: 0.53%

#11 of 885 Top 1.1% in $1B-$10B

142

Non-Interest-Bearing Deposit Share

funding

Value: 29.73%

Peer Median: 21.27%

#142 of 885 Top 15.9% in $1B-$10B

195

Total Assets

size

Value: $3.67B

Peer Median: $2.79B

#195 of 885 Top 21.9% in $1B-$10B

199

Total Loans

size

Value: $2.59B

Peer Median: $1.96B

#199 of 885 Top 22.4% in $1B-$10B

Top Weaknesses (7 metrics)

868

Return on Assets

profitability

Value: 0.11%

Peer Median: 1.39%

#868 of 885 Bottom 2.0% in $1B-$10B

866

Efficiency Ratio

profitability

Value: 88.46%

Peer Median: 59.73%

#866 of 885 Bottom 2.3% in $1B-$10B

857

Delinquency Rate

credit_quality

Value: 3.64%

Peer Median: 0.87%

#857 of 882 Bottom 2.9% in $1B-$10B

856

Nonperforming Asset Ratio

credit_quality

Value: 2.75%

Peer Median: 0.67%

#856 of 885 Bottom 3.4% in $1B-$10B

844

Loan-to-Deposit Ratio

liquidity

Value: 109.34%

Peer Median: 85.04%

#844 of 885 Bottom 4.7% in $1B-$10B

813

Tier 1 Capital Ratio

capital

Value: 10.26%

Peer Median: 14.84%

#813 of 885 Bottom 8.2% in $1B-$10B

768

Net Interest Margin

profitability

Value: 2.95%

Peer Median: 3.87%

#768 of 885 Bottom 13.3% in $1B-$10B