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Cornerstone National Bank & Trust Company

Palatine, IL · Cert 57061 · Cornerstone Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

59

Q2 2024Q2 2026peer median (50)

Asset Quality

92

Q2 2024Q2 2026peer median (50)

Profitability

45

Q2 2024Q2 2026peer median (50)

Liquidity

85

Q2 2024Q2 2026peer median

Efficiency

26

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone National Bank & Trust Company

Palatine, IL · Cert 57061 · Cornerstone Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$1.0BAssets
$797.3MLoans
$897.0MDeposits
$104.3MEquity
Loan mix
70%RE $538.0M30%C&I $232.0M0%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $617.0M31%Noninterest $280.1MQ2 2025Q2 2026

NIM

5.30%Q2 ’245.25%Q2 ’255.37%Q2 ’26+5%+9%

Non-interest income vs. expense

2.54%Q2 ’242.67%Q2 ’252.79%Q2 ’26+5%+1%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #50 of 147 inst. · $0.9B of $630.7B

0.1% Cook
0.3% DuPage
1.4% McHenry
0.3% Lake

Executive Summary

  • Earnings: ROA of 1.15%, up 9 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.03% of loans (-7 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.36%, up 4 bps from a year ago.
  • Funding: loans stand at 88.89% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+32 bps YoY

Efficiency Ratio (YTD, annualized)

61.60%-329 bps YoY

Tier 1 Leverage Ratio

10.36%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.12%1.15%1.01%1.15%+9 bps
Return on Equity10.58%11.16%11.56%10.21%11.49%+90 bps
Net Interest Margin3.57%3.58%3.57%3.82%3.89%+32 bps
Efficiency Ratio64.89%63.15%63.14%66.15%61.60%-329 bps
Non-Interest Burden2.13%2.06%2.06%2.33%2.15%+2 bps
Growth
Asset Growth (YoY)1.45%1.48%5.72%2.24%0.79%-66 bps
Loan Growth (YoY)6.83%9.99%15.28%16.90%16.11%+929 bps
Deposit Growth (YoY)0.64%0.65%6.13%2.31%0.58%-5 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.06%0.03%0.03%-7 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.24%1.23%1.22%1.24%-3 bps
Allowance Coverage of NPLs12.8x13.4x22.0x43.3x46.9x+34.1x
Capital
Tier 1 Leverage Ratio10.32%10.25%9.86%10.03%10.36%+4 bps
Total Risk-Based Capital14.13%13.86%13.14%12.80%13.10%-103 bps
Equity / Assets9.97%10.09%9.84%9.90%10.35%+37 bps
Liquidity & Funding
Loans / Deposits77.00%79.37%81.17%84.51%88.89%+1,189 bps
Liquid Assets / Assets8.92%7.43%6.37%6.36%6.00%-292 bps
CRE / Total Capitaln/a388%417%430%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cornerstone National Bank & Trust Company

Palatine, IL · Cert 57061 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Cornerstone Bcorp Inc.

National charter · OCC · 5 branches

Q2 2026

$1.0BAssets
$797.3MLoans
$897.0MDeposits
$104.3MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 2 of 31).
  • Widest gap: efficiency ratio trails 74% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.17%

Rank 23 of 31

Net Interest Margin

3.89%

Rank 5 of 31

Efficiency Ratio

61.60%

Rank 24 of 31

Equity / Assets

10.35%

Rank 13 of 31

Non-interest income vs. expense

$6.6M$28.7MINCOMEEXPENSE
Unfavorable gap of $22.1M · efficiency ratio beats 26% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 61.60%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%1.15%1.39%1.64%Beats 26%23 / 31
Return on Equity11.26%11.05%13.35%16.66%Beats 26%23 / 31
Net Interest Margin3.89%3.00%3.28%3.75%Beats 84%5 / 31
Efficiency Ratio61.60%37.25%50.71%61.60%Beats 26%24 / 31
Asset Quality
Nonperforming Loans / Loans0.03%0.18%0.41%1.00%Beats 97%2 / 31
Net Charge-Offs / Loans0.00%0.00%0.04%0.11%Beats 87%5 / 31
Capital
Tier 1 Capital Ratio11.97%10.88%11.50%13.72%Beats 58%13 / 31
Total Risk-Based Capital Ratio13.10%11.53%12.02%14.77%Beats 61%12 / 31
Equity / Assets10.35%8.90%10.15%11.24%Beats 58%13 / 31
Liquidity & Funding
Loans / Deposits88.89%80.56%87.67%94.53%58th pctl13 / 31
Loans / Assets79.13%67.81%73.77%76.85%84th pctl5 / 31
Brokered Deposits / Depositsn/aNot reported for this institution