BlastPoint's Banking Scorecard

Cornerstone Bank

$100M-$1B Specialty: Commercial KS FDIC cert 57250

Overland Park, KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits -8.6% year over year ($298.4M on the books).
Delinquency rate 0.05%.
Return on assets 1.47%.
Efficiency ratio 52.03% vs a 64.48% peer average.
Loan-to-deposit ratio 144.66% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Cornerstone Bank has 3 strengths but faces 4 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

+ ROA 0.15% above tier average
+ Efficiency Ratio 12.45% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 44.2% in tier
- Capital Constraint: Bottom 52.3% in tier
- Non-Interest Income / Assets 0.54% below tier average
- Net Interest Margin 0.67% below tier average

Get updates when Cornerstone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$504.9M +6.8% YoY +5.8% QoQ	+$118.4M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	72%
Total Loans ?	$431.7M +6.1% YoY +0.3% QoQ	+$173.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$298.4M -8.6% YoY -8.8% QoQ	-$28.3M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	1.47% +80.2% YoY -11.3% QoQ	+0.15%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	3.32% +28.9% YoY +1.9% QoQ	-0.67%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	52.03% -17.5% YoY +6.8% QoQ	-12.45%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.05% -70.9% YoY -31.1% QoQ	-0.87%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	144.66% +16.1% YoY +10.0% QoQ	+66.71%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 0.2% in tier
Non-Interest-Bearing Deposit Share ?	23.44% +33.2% YoY +17.7% QoQ	+1.41%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	61%
Nonperforming Asset Ratio ?	0.04% -71.1% YoY -34.7% QoQ	-0.63%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	9.16% +0.2% YoY +1.7% QoQ	-6.75%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 2.1% in tier
Non-Interest Income / Assets ?	0.02% -9.0% YoY +94.6% QoQ	-0.54%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 1.7% 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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	23.4% +5.8pp YoY +3.5pp QoQ	+1.3pp	22.1%	22.3%	22.2%	60%
Brokered Deposits	26.8% -13.9pp YoY -10.4pp QoQ	+18.9pp	7.9%	8.7%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	4.5% 0.0pp YoY 0.0pp QoQ	-7.0pp	11.6%	12.6%	12.5%	17%
CRE	67.5% +2.6pp YoY +0.7pp QoQ	+28.0pp	39.5%	28.8%	41.4%	91%
1-4 Family	28.8% -2.8pp YoY -0.7pp QoQ	-3.8pp	32.6%	26.7%	31.3%	48%
Consumer	0.3% +0.2pp YoY +0.1pp QoQ	-3.8pp	4.1%	4.6%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	9.2% 0.0pp YoY +0.2pp QoQ	-3.0pp	12.2%	12.6%	12.6%	14%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	32 +1 (+3.2%) YoY +3 (+10.3%) QoQ	-27	58	70	482	30%
Assets per Employee ($)	$15.8M +3.5% YoY -4.2% QoQ	+$8.3M	$7.5M	$7.1M	$8.8M	98%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	11%
Allowance Coverage	24.30x +238.4% YoY +45.6% QoQ	+0.14x	24.15x	22.44x	20.23x	90%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	16.8% +7.4pp YoY -2.1pp QoQ	+4.6pp	12.2%	14.3%	11.6%	76%
Cost of Funds (YTD)	2.8% -0.3pp YoY -0.1pp QoQ	+1.1pp	1.7%	1.6%	1.7%	96%
Net Income ($, YTD)	$3.6M +93.6% YoY — QoQ	+$1.1M	$2.6M	$3.7M	$40.4M	77%

Get Full Access to Cornerstone Bank

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 (2)

Capital Thin

risk

#293 of 661 • Bottom 44.2% 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: 9.16%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Capital Constraint

risk

#57 of 107 • Bottom 52.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 144.66%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 9.16%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

469

Total Loans

size

Value: $431.67M

Peer Median: $258.35M

#469 of 2643 Top 17.7% in $100M-$1B

526

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#526 of 2643 Top 19.9% in $100M-$1B

537

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#537 of 2633 Top 20.4% in $100M-$1B

553

Efficiency Ratio

profitability

Value: 52.03%

Peer Median: 64.48%

#553 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (4 metrics)

2638

Loan-to-Deposit Ratio

liquidity

Value: 144.66%

Peer Median: 77.95%

#2638 of 2643 Bottom 0.2% in $100M-$1B

2600

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.57%

#2600 of 2643 Bottom 1.7% in $100M-$1B

2588

Tier 1 Capital Ratio

capital

Value: 9.16%

Peer Median: 15.91%

#2588 of 2643 Bottom 2.1% in $100M-$1B

2105

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.99%

#2105 of 2643 Bottom 20.4% in $100M-$1B