BlastPoint's Banking Scorecard

Cornerstone Capital Bank, SSB

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

Houston, TX

19 branches across TX · WA

884 banks in the $1B-$10B peer group nationally 80 in 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 1.45% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.5% in tier
- Liquidity Overhang: Bottom 39.7% in tier
- Return on Assets 1.68% below tier average
- Net Interest Margin 1.42% below tier average
- Delinquency Rate 2.73% above tier average
- Nonperforming Asset Ratio 1.78% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$3.8B +58.2% YoY +53.8% QoQ	+$982.8M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$2.4B +81.5% YoY +42.3% QoQ	+$475.3M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$2.6B +69.9% YoY +96.2% QoQ	+$224.8M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	-0.31% -125.1% YoY -145.6% QoQ	-1.68%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Bottom 1.5% in tier
Net Interest Margin ?	2.40% +16.1% YoY +1.1% QoQ	-1.42%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 4.6% in tier
Efficiency Ratio ?	93.97% +15.5% YoY +10.6% QoQ	+32.91%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Bottom 1.8% in tier
Delinquency Rate ?	3.62% +39.7% YoY -23.2% QoQ	+2.73%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 3.0% in tier
Loan-to-Deposit Ratio ?	95.02% +6.9% YoY -27.5% QoQ	+10.81%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	26.91% +47.5% YoY +12.3% QoQ	+5.62%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	2.45% +60.6% YoY -26.5% QoQ	+1.78%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Bottom 4.3% in tier
Tier 1 Capital Ratio ?	16.06% -39.0% YoY -24.2% QoQ	+0.90%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	1.71% -47.3% YoY -85.8% QoQ	+1.45%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Top 1.5% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (2)

Efficiency Drag

risk

#11 of 74 • Bottom 13.5% in tier

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

Why this signature

Efficiency Ratio: 93.97%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank improving

Liquidity Overhang

risk

#70 of 174 • Bottom 39.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.06%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.02%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.71%

Peer Median: 0.26%

#14 of 884 Top 1.5% in $1B-$10B

170

Tier 1 Capital Ratio

capital

Value: 16.06%

Peer Median: 15.16%

#170 of 884 Top 19.1% in $1B-$10B

190

Total Assets

size

Value: $3.80B

Peer Median: $2.82B

#190 of 884 Top 21.4% in $1B-$10B

212

Non-Interest-Bearing Deposit Share

funding

Value: 26.91%

Peer Median: 21.29%

#212 of 884 Top 23.9% in $1B-$10B

215

Total Loans

size

Value: $2.44B

Peer Median: $1.96B

#215 of 884 Top 24.2% in $1B-$10B

Top Weaknesses (6 metrics)

872

Return on Assets

profitability

Value: -0.31%

Peer Median: 1.37%

#872 of 884 Bottom 1.5% in $1B-$10B

869

Efficiency Ratio

profitability

Value: 93.97%

Peer Median: 61.06%

#869 of 884 Bottom 1.8% in $1B-$10B

855

Delinquency Rate

credit_quality

Value: 3.62%

Peer Median: 0.89%

#855 of 880 Bottom 3.0% in $1B-$10B

847

Nonperforming Asset Ratio

credit_quality

Value: 2.45%

Peer Median: 0.67%

#847 of 884 Bottom 4.3% in $1B-$10B

844

Net Interest Margin

profitability

Value: 2.40%

Peer Median: 3.82%

#844 of 884 Bottom 4.6% in $1B-$10B

668

Loan-to-Deposit Ratio

liquidity

Value: 95.02%

Peer Median: 84.20%

#668 of 884 Bottom 24.5% in $1B-$10B