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Cornerstone Community Bank

under $100M Specialty: Other KY FDIC cert 59379

Designations: ✓ Community bank

Owensboro, KY

536 banks in the under $100M peer group nationally 15 in KY
View under $100M leaderboard (KY) →

Cornerstone Community Bank has 2 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

  • + Delinquency Rate 1.48% below tier average
  • + Nonperforming Asset Ratio 0.84% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.33% below tier average
  • - Net Interest Margin 3.67% below tier average
  • - Efficiency Ratio 52.03% above tier average
  • - Non-Interest Income / Assets 1.35% below tier average
Get updates when Cornerstone Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Total Assets ? $44.5M -$17.9M $62.4M
-0.0% YoY
$707.7M
+4.5% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $2.8M -$32.0M $34.9M
-0.6% YoY
$500.8M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 4.3% in tier
Total Deposits ? $19.9M -$31.7M $51.6M
-0.2% YoY
$593.9M
+4.1% YoY
$4.9B
+7.3% YoY
Bottom 10.1% in tier
Return on Assets ? -0.34% -1.33% 1.00%
+3.5% YoY
1.28%
+12.5% YoY
1.30%
+12.1% YoY
Bottom 9.9% in tier
Net Interest Margin ? 0.24% -3.67% 3.91%
+2.3% YoY
3.93%
+6.2% YoY
3.95%
+4.9% YoY
Bottom 0.7% in tier
Efficiency Ratio ? 171.43% +52.03% 119.40%
+49.6% YoY
64.24%
-3.9% YoY
70.05%
+2.5% YoY
Bottom 3.2% in tier
Delinquency Rate ? 0.00% -1.48% 1.48%
+31.8% YoY
0.91%
+20.0% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 14.31% -59.90% 74.21%
+12.6% YoY
81.25%
+1.1% YoY
79.03%
+2.3% YoY
Top 4.5% in tier
Non-Interest-Bearing Deposit Share ? 14.62% -8.87% 23.49%
+0.6% YoY
23.27%
-2.3% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.00% -0.84% 0.84%
+23.0% YoY
0.64%
+23.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 220.54% +193.42% 27.13%
+3.0% YoY
16.76%
+11.6% YoY
17.09%
+0.8% YoY
Top 0.9% in tier
Non-Interest Income / Assets ? 0.03% -1.35% 1.38%
+6.3% YoY
0.31%
+0.1% YoY
0.66%
+5.2% YoY
Bottom 9.5% 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 (KY) National Avg Tier Percentile
Noninterest-Bearing 14.6% -10.0pp 24.6% 23.5% 22.2% 18%
Brokered Deposits n/a n/a 9.8% 5.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
C&I n/a n/a 13.4% 8.6% 12.5% n/a
CRE n/a n/a 25.2% 37.1% 41.4% n/a
1-4 Family 15.3% -19.7pp 35.0% 41.6% 31.3% 30%
Consumer 1.1% -6.6pp 7.7% 4.8% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
CET1 Ratio 220.5% +181.9pp 38.7% 20.2% 19.7% 98%
Leverage Ratio 277.2% +259.5pp 17.7% 14.0% 12.6% 100%
Total Capital Ratio 220.5% +180.9pp 39.7% 21.3% 20.8% 98%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Full-Time Employees 10 -2 12 105 482 43%
Assets per Employee ($) $4.4M -$1.7M $6.2M $6.3M $8.8M 28%
Branch Count 1 -1 1 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 1.0% 0.3% 0.4% n/a
Nonaccrual n/a n/a 1.7% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 6.41x 7.45x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.2% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (KY) National Avg Tier Percentile
ROE -0.6% -7.0pp 6.4% 13.3% 11.6% 12%
Cost of Funds (YTD) 0.1% -1.3pp 1.4% 1.7% 1.7% 2%
Net Income ($, YTD) $-75000.0
— QoQ
 -$393K $317,817 $5.1M $40.4M 10%

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 (0)

No matched concern signatures this quarter

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 536 peers in under $100M

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 1.48%
#1 of 517 Top 0.1% in under $100M
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.84%
#1 of 536 Top 0.1% in under $100M
6
Tier 1 Capital Ratio
capital
Value: 220.54%
Peer Median: 27.13%
#6 of 536 Top 0.9% in under $100M
25
Loan-to-Deposit Ratio
liquidity
Value: 14.31%
Peer Median: 74.21%
#25 of 536 Top 4.5% in under $100M

Top Weaknesses (7 metrics)

533
Net Interest Margin
profitability
Value: 0.24%
Peer Median: 3.91%
#533 of 536 Bottom 0.7% in under $100M
520
Efficiency Ratio
profitability
Value: 171.43%
Peer Median: 119.40%
#520 of 536 Bottom 3.2% in under $100M
514
Total Loans
size
Value: $2.85M
Peer Median: $34.89M
#514 of 536 Bottom 4.3% in under $100M
486
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 1.38%
#486 of 536 Bottom 9.5% in under $100M
484
Return on Assets
profitability
Value: -0.34%
Peer Median: 1.00%
#484 of 536 Bottom 9.9% in under $100M
483
Total Deposits
size
Value: $19.89M
Peer Median: $51.62M
#483 of 536 Bottom 10.1% in under $100M
417
Non-Interest-Bearing Deposit Share
funding
Value: 14.62%
Peer Median: 23.49%
#417 of 536 Bottom 22.4% in under $100M
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