BlastPoint's Banking Scorecard
Cornerstone National Bank & Trust Company
Designations: ✓ Community bank
Palatine, IL
5 branches across IL
Cornerstone National Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.62% below tier average
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency Ratio 5.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+2.2% YoY
-1.0% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.0% in tier |
| Total Loans ? |
$762.6M
+17.0% YoY
+2.8% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.2% in tier |
| Total Deposits ? |
$913.5M
+2.3% YoY
-1.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.3% in tier |
| Return on Assets ? |
1.01%
+10.0% YoY
-12.7% QoQ
|
-0.36% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.94%
+9.5% YoY
+2.5% QoQ
|
+0.12% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
66.15%
-3.9% YoY
+4.8% QoQ
|
+5.09% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.03%
-76.1% YoY
-49.6% QoQ
|
-0.86% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 4.8% in tier |
| Loan-to-Deposit Ratio ? |
83.47%
+14.4% YoY
+4.1% QoQ
|
-0.73% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
31.00%
-3.7% YoY
+4.5% QoQ
|
+9.71% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-35.3% YoY
+23.6% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 8.5% in tier |
| Tier 1 Capital Ratio ? |
11.71%
-11.2% YoY
-2.7% QoQ
|
-3.45% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.15%
+11.5% YoY
-72.8% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
52% |
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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
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