BlastPoint's Banking Scorecard

Cornerstone Bank

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

Overland Park, KS

2664 banks in the $100M-$1B peer group nationally 118 in 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

+ Profitability Leader: Top 18.2% in tier
+ Efficiency Ratio 16.56% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 25.4% in tier
- Capital Constraint: Bottom 53.7% in tier
- Non-Interest Income / Assets 0.27% below tier average
- Net Interest Margin 0.68% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$477.4M +4.1% YoY -4.8% QoQ	+$91.4M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$430.5M +8.9% YoY -1.4% QoQ	+$174.8M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$327.4M -9.9% YoY -0.1% QoQ	-$609K	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	1.65% +123.1% YoY +62.3% QoQ	+0.39%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.25% +31.5% YoY +15.6% QoQ	-0.68%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	48.73% -26.0% YoY -14.7% QoQ	-16.56%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 13.7% in tier
Delinquency Rate ?	0.07% -59.2% YoY -39.6% QoQ	-0.82%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	77%
Loan-to-Deposit Ratio ?	131.50% +20.9% YoY -1.3% QoQ	+54.86%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Bottom 0.5% in tier
Non-Interest-Bearing Deposit Share ?	19.91% +38.9% YoY +2.7% QoQ	-2.11%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.06% -57.3% YoY -37.5% QoQ	-0.58%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	9.00% +1.1% YoY +1.1% QoQ	-6.83%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 0.8% in tier
Non-Interest Income / Assets ?	0.01% +38.7% YoY -74.0% QoQ	-0.27%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 1.9% 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 (1)

Profitability Leader

growth

#122 of 666 • Top 18.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.65%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Capital Thin

risk

#170 of 666 • Bottom 25.4% 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: 9.00%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Capital Constraint

risk

#59 of 108 • Bottom 53.7% 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: 131.50%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 9.00%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

367

Efficiency Ratio

profitability

Value: 48.73%

Peer Median: 65.29%

#367 of 2664 Top 13.7% in $100M-$1B

465

Total Loans

size

Value: $430.47M

Peer Median: $255.72M

#465 of 2664 Top 17.4% in $100M-$1B

605

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#605 of 2654 Top 22.8% in $100M-$1B

648

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#648 of 2664 Top 24.3% in $100M-$1B

658

Return on Assets

profitability

Value: 1.65%

Peer Median: 1.27%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (4 metrics)

2652

Loan-to-Deposit Ratio

liquidity

Value: 131.50%

Peer Median: 76.64%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2644

Tier 1 Capital Ratio

capital

Value: 9.00%

Peer Median: 15.83%

#2644 of 2664 Bottom 0.8% in $100M-$1B

2614

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2614 of 2664 Bottom 1.9% in $100M-$1B

2133

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2133 of 2664 Bottom 20.0% in $100M-$1B