BlastPoint's Banking Scorecard
CornerStone Bank
Lexington, VA
4 branches across VA
CornerStone Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 35.3% in tier
- - Capital Thin: Bottom 37.5% in tier
- - Efficiency Ratio 0.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.7M
+2.6% YoY
+1.2% QoQ
|
-$158.4M |
$386.1M
+0.5% YoY
|
$17.9B
+25.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$182.1M
+6.4% YoY
+3.4% QoQ
|
-$73.6M |
$255.7M
+1.1% YoY
|
$10.6B
+27.9% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$194.3M
+4.6% YoY
+1.1% QoQ
|
-$133.7M |
$328.0M
+0.1% YoY
|
$14.1B
+22.4% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
1.22%
+57.8% YoY
+28.3% QoQ
|
-0.04% |
1.27%
+12.9% YoY
|
1.15%
+53.9% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
4.56%
+23.9% YoY
+12.2% QoQ
|
+0.63% |
3.93%
+6.0% YoY
|
3.81%
+7.1% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
66.17%
-11.7% YoY
-4.6% QoQ
|
+0.88% |
65.29%
-4.5% YoY
|
65.58%
-7.6% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
0.83%
-31.5% YoY
-27.1% QoQ
|
-0.06% |
0.89%
+18.8% YoY
|
0.77%
+12.4% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
93.73%
+1.7% YoY
+2.3% QoQ
|
+17.09% |
76.64%
+0.8% YoY
|
79.34%
+0.5% YoY
|
76.70%
+0.9% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
28.09%
+6.1% YoY
-6.2% QoQ
|
+6.07% |
22.02%
-1.0% YoY
|
25.27%
-0.4% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.66%
-28.9% YoY
-25.5% QoQ
|
+0.03% |
0.64%
+19.7% YoY
|
0.55%
+12.2% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
10.69%
+4.0% YoY
+2.9% QoQ
|
-5.14% |
15.83%
+1.5% YoY
|
16.28%
+2.7% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.12%
+17.9% YoY
-71.1% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.18%
+27.1% YoY
|
0.32%
+4.1% YoY
|
65% |
Get Full Access to CornerStone Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.