BlastPoint's Banking Scorecard
Cornerstone Bank
Designations: ✓ Community bank
Clarinda, IA
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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits -14.1% year over year ($34.6M on the books).
- Delinquency rate 0.48%.
- Return on assets 0.68%.
- Efficiency ratio 72.35% vs a 119.40% peer average.
- Loan-to-deposit ratio 75.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cornerstone Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 47.04% below tier average
- + Delinquency Rate 1.00% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.0M
-11.0% YoY
-7.5% QoQ
|
-$20.4M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$26.2M
-3.1% YoY
-0.0% QoQ
|
-$8.7M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$34.6M
-14.1% YoY
-9.2% QoQ
|
-$17.0M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.68%
-27.2% YoY
-11.4% QoQ
|
-0.32% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.10%
+8.0% YoY
+3.5% QoQ
|
+0.19% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
72.35%
-7.6% YoY
-4.8% QoQ
|
-47.04% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.48%
-4.5% YoY
-3.8% QoQ
|
-1.00% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
75.77%
+12.8% YoY
+10.2% QoQ
|
+1.56% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
14.78%
+32.9% YoY
+3.8% QoQ
|
-8.71% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.30%
+4.0% YoY
+4.0% QoQ
|
-0.54% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
34.96%
+20.6% YoY
+10.8% QoQ
|
+7.84% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 12.7% in tier |
| Non-Interest Income / Assets ? |
0.17%
+33.0% YoY
+132.7% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.8%
+3.7pp YoY +0.5pp QoQ |
-9.9pp | 24.6% | 17.8% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.5%
-0.6pp YoY -0.3pp QoQ |
-8.9pp | 13.4% | 12.8% | 12.5% | 17% |
| CRE |
12.9%
+1.5pp YoY +0.7pp QoQ |
-12.3pp | 25.2% | 28.3% | 41.4% | 22% |
| 1-4 Family |
65.7%
+3.4pp YoY 0.0pp QoQ |
+30.7pp | 35.0% | 23.0% | 31.3% | 84% |
| Consumer |
6.9%
-1.9pp YoY -0.3pp QoQ |
-0.7pp | 7.7% | 2.9% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
35.0%
+6.0pp YoY +3.4pp QoQ |
-3.7pp | 38.7% | 15.4% | 19.7% | 77% |
| Leverage Ratio |
15.2%
+1.3pp YoY +0.6pp QoQ |
-2.5pp | 17.7% | 12.4% | 12.6% | 69% |
| Total Capital Ratio |
36.2%
+6.0pp YoY +3.4pp QoQ |
-3.4pp | 39.7% | 16.5% | 20.8% | 77% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY +1 (+16.7%) QoQ |
-5 | 12 | 64 | 482 | 20% |
| Assets per Employee ($) |
$6.0M
-11.0% YoY -20.7% QoQ |
-$183K | $6.2M | $8.9M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.0% | 1.0% | 39% |
| Allowance Coverage |
3.45x
+26.8% YoY +21.5% QoQ |
-2.96x | 6.41x | 18.97x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY -0.1pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.6%
-2.5pp YoY -0.7pp QoQ |
-1.8pp | 6.4% | 12.8% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$149,000
-30.4% YoY — QoQ |
-$169K | $317,817 | $4.0M | $40.4M | 29% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.