PackageTrendsPeer
Letter portraitLegal landscape

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 75thStandingRank8-Qtr TrendPeer 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