Palatine, IL · Cert 57061 · Cornerstone Bcorp Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #50 of 147 inst. · $0.9B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.29% | 0.92% | 1.19% | 1.24% | 1.26% | 1.01% | 1.30% | +10 bps | |
| Return on Equity | 12.29% | 13.16% | 9.17% | 12.00% | 12.36% | 12.63% | 10.21% | 12.81% | +82 bps | |
| Net Interest Margin | 3.40% | 3.40% | 3.47% | 3.68% | 3.81% | 3.80% | 3.82% | 3.96% | +28 bps | |
| Efficiency Ratio | 61.79% | 60.94% | 68.82% | 61.19% | 59.95% | 63.14% | 66.15% | 57.29% | -390 bps | |
| Non-Interest Burden | 1.88% | 1.87% | 2.22% | 2.03% | 2.07% | 2.18% | 2.33% | 1.97% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.68% | 1.74% | 1.59% | 1.45% | 1.48% | 5.72% | 2.24% | 0.79% | -66 bps | |
| Loan Growth (YoY) | 3.03% | 0.32% | 4.03% | 6.83% | 9.99% | 15.28% | 16.90% | 16.11% | +929 bps | |
| Deposit Growth (YoY) | 5.31% | 1.62% | 1.05% | 0.64% | 0.65% | 6.13% | 2.31% | 0.58% | -5 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.14% | 0.10% | 0.12% | 0.10% | 0.09% | 0.06% | 0.03% | 0.03% | -7 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.18% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.29% | 1.34% | 1.32% | 1.27% | 1.24% | 1.23% | 1.22% | 1.24% | -3 bps | |
| Allowance Coverage of NPLs | 9.4x | 13.5x | 11.2x | 12.8x | 13.4x | 22.0x | 43.3x | 46.9x | +34.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.80% | 10.00% | 10.29% | 10.32% | 10.25% | 9.86% | 10.03% | 10.36% | +4 bps | |
| Total Risk-Based Capital | 14.06% | 14.60% | 14.33% | 14.13% | 13.86% | 13.14% | 12.80% | 13.10% | -103 bps | |
| Equity / Assets | 9.56% | 10.09% | 9.90% | 9.97% | 10.09% | 9.84% | 9.90% | 10.35% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.62% | 74.73% | 73.95% | 77.00% | 79.37% | 81.17% | 84.51% | 88.89% | +1,189 bps | |
| Liquid Assets / Assets | 11.08% | 8.81% | 10.74% | 8.92% | 7.43% | 6.37% | 6.36% | 6.00% | -292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 417% | 430% | n/a | n/a | |