Cornerstone Bank
Clarinda, IA · Cert 30067 · Peer group: banks under $1B in assets in IA (n=134-135)
State charter, Fed member · FED · 1 branch
Q2 2026
$42.0MAssets
$26.6MLoans
$34.6MDeposits
$6.6MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 96% of banks under $1B in assets in IA (rank 6 of 135).
- Widest gap: return on equity trails 93% of banks under $1B in assets in IA (rank 125 of 135).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.71%
Rank 118 of 135
Net Interest Margin
3.78%
Rank 31 of 135
Efficiency Ratio
72.35%
Rank 118 of 135
Equity / Assets
15.74%
Rank 18 of 135
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 13% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.92% | 1.19% | 1.47% | Beats 13% | 118 / 135 | |
| Return on Equity | 4.50% | 7.99% | 10.26% | 13.14% | Beats 7% | 125 / 135 | |
| Net Interest Margin | 3.78% | 2.95% | 3.41% | 3.73% | Beats 77% | 31 / 135 | |
| Efficiency Ratio | 72.35% | 50.61% | 57.35% | 63.29% | Beats 13% | 118 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.03% | 0.51% | 1.26% | Beats 52% | 65 / 134 | |
| Net Charge-Offs / Loans | 0.13% | n/a | 0.01% | 0.03% | Beats 12% | 119 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 34.96% | 11.23% | 13.31% | 15.45% | Beats 96% | 6 / 135 | |
| Total Risk-Based Capital Ratio | 36.23% | 11.61% | 14.06% | 16.47% | Beats 96% | 6 / 135 | |
| Equity / Assets | 15.74% | 9.87% | 11.05% | 13.07% | Beats 87% | 18 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 77.02% | 68.54% | 81.55% | 91.24% | 41st pctl | 79 / 134 | |
| Loans / Assets | 63.37% | 57.61% | 68.06% | 76.23% | 36th pctl | 86 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |