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Cornerstone Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 5496

Designations: ✓ Community bank

York, NE

50 branches across NE

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 21 in NE.
  • Deposits -0.4% year over year ($2.3B on the books).
  • Delinquency rate 1.57%.
  • Return on assets 1.24%.
  • Efficiency ratio 62.25% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.43% 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 21 in NE
View $1B-$10B leaderboard (NE) →

Cornerstone Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 2.2% in tier
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.45% below tier average
  • - Efficiency Ratio 2.52% above tier average
  • - Delinquency Rate 0.70% above tier average
Get updates when Cornerstone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $2.7B
-2.2% YoY +3.2% QoQ
-$63.0M $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $2.1B
-2.3% YoY +4.0% QoQ
+$104.6M $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
69%
Total Deposits ? $2.3B
-0.4% YoY -3.0% QoQ
-$6.8M $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.24%
+16.8% YoY +9.0% QoQ
-0.15% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
48%
Net Interest Margin ? 3.42%
+10.0% YoY +0.9% QoQ
-0.45% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
32%
Efficiency Ratio ? 62.25%
-1.5% YoY -2.0% QoQ
+2.52% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 1.57%
+105.7% YoY +155.5% QoQ
+0.70% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Bottom 14.6% in tier
Loan-to-Deposit Ratio ? 89.43%
-1.9% YoY +7.2% QoQ
+4.40% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 14.20%
+6.9% YoY -2.9% QoQ
-7.07% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 1.19%
+105.4% YoY +157.5% QoQ
+0.51% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 9.88%
-7.9% YoY +1.6% QoQ
-4.96% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 5.0% in tier
Non-Interest Income / Assets ? 0.38%
+5.2% YoY +100.7% QoQ
-0.15% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
68%

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 (NE) National Avg Tier Percentile
Noninterest-Bearing 14.2%
+0.9pp YoY
-0.4pp QoQ
 -7.2pp 21.4% 17.6% 22.2% 24%
Brokered Deposits 7.9%
-6.8pp YoY
-2.6pp QoQ
 -1.5pp 9.5% 8.9% 8.5% 62%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 15.0%
+0.4pp YoY
+0.9pp QoQ
 +0.9pp 14.0% 12.3% 12.5% 68%
CRE 37.0%
-5.4pp YoY
-2.3pp QoQ
 -13.1pp 50.0% 32.3% 41.4% 19%
1-4 Family 4.7%
0.0pp YoY
-0.4pp QoQ
 -21.8pp 26.4% 16.9% 31.3% 7%
Consumer 1.0%
0.0pp YoY
0.0pp QoQ
 -3.7pp 4.7% 3.1% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 16.1% 19.7% n/a
Leverage Ratio 9.9%
+1.0pp YoY
+0.2pp QoQ
 -1.4pp 11.3% 12.1% 12.6% 33%
Total Capital Ratio n/a n/a 16.7% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 514
+15 (+3.0%) YoY
+13 (+2.6%) QoQ
 +200 313 98 482 84%
Assets per Employee ($) $5.3M
-5.0% YoY
+0.5% QoQ
 -$5.2M $10.5M $8.5M $8.8M 6%
Branch Count 50
0 YoY
0 QoQ
 +30 20 7 18 94%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.2pp YoY
+0.1pp QoQ
 +0.1pp 0.2% 0.4% 0.4% 90%
Nonaccrual 1.3%
+0.6pp YoY
+0.9pp QoQ
 +0.5pp 0.8% 0.8% 1.0% 82%
Allowance Coverage 0.74x
-49.1% YoY
-63.5% QoQ
 -17.97x 18.71x 31.69x 20.23x 13%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.2pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 13.7%
0.0pp YoY
+1.1pp QoQ
 +1.1pp 12.6% 12.3% 11.6% 63%
Cost of Funds (YTD) 2.2%
-0.5pp YoY
0.0pp QoQ
 +0.3pp 1.9% 1.9% 1.7% 70%
Net Income ($, YTD) $16.9M
+12.7% YoY
— QoQ
 -$2.4M $19.2M $6.1M $40.4M 64%

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)

Capital Thin

risk
#6 of 222 • Bottom 2.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.88%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

842
Tier 1 Capital Ratio
capital
Value: 9.88%
Peer Median: 14.84%
#842 of 885 Bottom 5.0% in $1B-$10B
754
Delinquency Rate
credit_quality
Value: 1.57%
Peer Median: 0.87%
#754 of 882 Bottom 14.6% in $1B-$10B
738
Nonperforming Asset Ratio
credit_quality
Value: 1.19%
Peer Median: 0.67%
#738 of 885 Bottom 16.7% in $1B-$10B
669
Non-Interest-Bearing Deposit Share
funding
Value: 14.20%
Peer Median: 21.27%
#669 of 885 Bottom 24.5% in $1B-$10B
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