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Cornerstone Bank

$1B-$10B Specialty: Commercial MA FDIC cert 90282

Spencer, MA

17 branches across MA

884 banks in the $1B-$10B peer group nationally 46 in MA
View $1B-$10B leaderboard (MA) →

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

  • + Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 59.5% in tier
  • - ROA 0.60% below tier average
  • - Net Interest Margin 0.23% below tier average
Get updates when Cornerstone Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Total Assets ? $2.4B
+40.5% YoY +31.7% QoQ
-$419.7M $2.8B
-0.1% YoY
$6.8B
+9.3% YoY
$6.2B
+9.1% YoY
60%
Total Loans ? $1.9B
+37.7% YoY +28.3% QoQ
-$108.1M $2.0B
+0.6% YoY
$2.4B
+16.6% YoY
$3.2B
+10.8% YoY
64%
Total Deposits ? $1.9B
+44.5% YoY +37.6% QoQ
-$393.3M $2.3B
-0.3% YoY
$5.3B
+11.5% YoY
$4.8B
+8.2% YoY
58%
Return on Assets ? 0.77%
+100.3% YoY +60.2% QoQ
-0.60% 1.37%
+19.6% YoY
0.49%
+59.0% YoY
1.23%
+13.4% YoY
19%
Net Interest Margin ? 3.58%
+53.6% YoY +40.9% QoQ
-0.23% 3.82%
+6.9% YoY
3.03%
+10.0% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 80.30%
-12.7% YoY -13.9% QoQ
+19.24% 61.06%
-4.6% YoY
80.02%
-2.5% YoY
66.95%
-4.1% YoY
Bottom 8.3% in tier
Delinquency Rate ? 0.36%
+39.5% YoY -10.6% QoQ
-0.53% 0.89%
+14.1% YoY
0.73%
+28.2% YoY
0.95%
+18.8% YoY
65%
Loan-to-Deposit Ratio ? 95.22%
-4.7% YoY -6.7% QoQ
+11.01% 84.20%
+0.3% YoY
92.37%
-0.3% YoY
76.70%
+0.9% YoY
24%
Non-Interest-Bearing Deposit Share ? 13.49%
+1.7% YoY +5.6% QoQ
-7.80% 21.29%
-2.5% YoY
15.85%
-3.7% YoY
22.01%
-1.2% YoY
22%
Nonperforming Asset Ratio ? 0.28%
+36.8% YoY -12.9% QoQ
-0.40% 0.67%
+15.6% YoY
0.58%
+29.6% YoY
0.67%
+19.3% YoY
65%
Tier 1 Capital Ratio ? 12.51%
-3.9% YoY +0.5% QoQ
-2.65% 15.16%
+2.0% YoY
14.58%
+1.9% YoY
17.06%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.18%
-35.0% YoY -76.4% QoQ
-0.08% 0.26%
+1.6% YoY
0.11%
+1.3% YoY
0.32%
+4.1% YoY
65%

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)

Efficiency Drag

risk
#45 of 74 • Bottom 59.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.30%
(Tier: 61.06%, National: 66.95%)
worse than tier avg
74 of 74 Mid-Market banks match · 492 nationally
→ Stable | 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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

812
Efficiency Ratio
profitability
Value: 80.30%
Peer Median: 61.06%
#812 of 884 Bottom 8.3% in $1B-$10B
716
Return on Assets
profitability
Value: 0.77%
Peer Median: 1.37%
#716 of 884 Bottom 19.1% in $1B-$10B
693
Non-Interest-Bearing Deposit Share
funding
Value: 13.49%
Peer Median: 21.29%
#693 of 884 Bottom 21.7% in $1B-$10B
673
Loan-to-Deposit Ratio
liquidity
Value: 95.22%
Peer Median: 84.20%
#673 of 884 Bottom 24.0% in $1B-$10B
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