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CornerStone Bank

$100M-$1B Specialty: Commercial VA FDIC cert 58859

Lexington, VA

4 branches across VA

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 23 in VA.
  • Deposits +5.9% year over year ($198.6M on the books).
  • Delinquency rate 0.87%.
  • Return on assets 1.20%.
  • Efficiency ratio 65.38% vs a 64.48% peer average.
  • Loan-to-deposit ratio 92.07% 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 23 in VA
View $100M-$1B leaderboard (VA) →

CornerStone Bank has 1 strength but faces 3 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

  • + Net Interest Margin 0.67% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 17.4% in tier
  • - ROA 0.12% below tier average
  • - Efficiency Ratio 0.90% 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 (VA) National Avg Tier Percentile
Total Assets ? $232.8M
+4.0% YoY +2.2% QoQ
-$153.8M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $182.8M
+3.7% YoY +0.4% QoQ
-$75.5M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
44%
Total Deposits ? $198.6M
+5.9% YoY +2.2% QoQ
-$128.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 1.20%
+43.8% YoY -1.8% QoQ
-0.12% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
47%
Net Interest Margin ? 4.66%
+23.5% YoY +2.2% QoQ
+0.67% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 65.38%
-11.2% YoY -1.2% QoQ
+0.90% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.87%
-17.4% YoY +5.4% QoQ
-0.04% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 92.07%
-2.1% YoY -1.8% QoQ
+14.12% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 29.78%
+5.2% YoY +6.0% QoQ
+7.75% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
81%
Nonperforming Asset Ratio ? 0.69%
-17.6% YoY +3.5% QoQ
+0.02% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 10.86%
+3.5% YoY +1.5% QoQ
-5.05% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.23%
+12.7% YoY +89.1% QoQ
-0.33% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
60%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 29.8%
+1.5pp YoY
+1.7pp QoQ
 +7.6pp 22.1% 26.2% 22.2% 81%
Brokered Deposits 0.5%
0.0pp YoY
0.0pp QoQ
 -7.3pp 7.9% 8.5% 8.5% 12%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 6.7%
-2.9pp YoY
-0.4pp QoQ
 -4.9pp 11.6% 11.0% 12.5% 31%
CRE 44.6%
+0.8pp YoY
-0.2pp QoQ
 +5.0pp 39.5% 46.9% 41.4% 61%
1-4 Family 39.9%
+2.5pp YoY
+1.0pp QoQ
 +7.3pp 32.6% 32.6% 31.3% 70%
Consumer 6.0%
-0.2pp YoY
-0.6pp QoQ
 +1.9pp 4.1% 8.0% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 10.9%
+0.4pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 12.2% 12.6% 48%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 37
0 YoY
-1 (-2.6%) QoQ
 -22 58 1,956 482 37%
Assets per Employee ($) $6.3M
+4.0% YoY
+5.0% QoQ
 -$1.2M $7.5M $9.9M $8.8M 38%
Branch Count 4
0 YoY
0 QoQ
 -1 4 28 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 42%
Nonaccrual 0.8%
-0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.9% 0.7% 1.0% 67%
Allowance Coverage 1.25x
+57.9% YoY
+2.2% QoQ
 -22.90x 24.15x 9.47x 20.23x 34%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 8%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 11.4%
+3.2pp YoY
-0.2pp QoQ
 -0.8pp 12.2% 12.0% 11.6% 45%
Cost of Funds (YTD) 1.5%
-0.4pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 39%
Net Income ($, YTD) $1.4M
+47.3% YoY
— QoQ
 -$1.2M $2.6M $137.1M $40.4M 38%

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)

Liquidity Strain

risk
#121 of 691 • Bottom 17.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 92.07%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

415
Net Interest Margin
profitability
Value: 4.66%
Peer Median: 3.99%
#415 of 2643 Top 15.7% in $100M-$1B
495
Non-Interest-Bearing Deposit Share
funding
Value: 29.78%
Peer Median: 22.03%
#495 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (2 metrics)

2076
Tier 1 Capital Ratio
capital
Value: 10.86%
Peer Median: 15.91%
#2076 of 2643 Bottom 21.5% in $100M-$1B
2063
Loan-to-Deposit Ratio
liquidity
Value: 92.07%
Peer Median: 77.95%
#2063 of 2643 Bottom 22.0% in $100M-$1B
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