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Letter portraitLegal landscapeQuarterYTD

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 $1.9MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $617.0M31%Noninterest $280.1MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.10%0.92%1.06%1.12%1.15%1.01%1.15%+9 bps
Return on Equity10.93%11.51%9.17%10.58%11.16%11.56%10.21%11.49%+90 bps
Net Interest Margin3.34%3.33%3.47%3.57%3.58%3.57%3.82%3.89%+32 bps
Efficiency Ratio63.95%63.19%68.82%64.89%63.15%63.14%66.15%61.60%-329 bps
Non-Interest Burden1.95%1.92%2.22%2.13%2.06%2.06%2.33%2.15%+2 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 / Loans0.14%0.10%0.12%0.10%0.09%0.06%0.03%0.03%-7 bps
Net Charge-Offs / Loans0.00%-0.05%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.29%1.34%1.32%1.27%1.24%1.23%1.22%1.24%-3 bps
Allowance Coverage of NPLs9.4x13.5x11.2x12.8x13.4x22.0x43.3x46.9x+34.1x
Capital
Tier 1 Leverage Ratio9.80%10.00%10.29%10.32%10.25%9.86%10.03%10.36%+4 bps
Total Risk-Based Capital14.06%14.60%14.33%14.13%13.86%13.14%12.80%13.10%-103 bps
Equity / Assets9.56%10.09%9.90%9.97%10.09%9.84%9.90%10.35%+37 bps
Liquidity & Funding
Loans / Deposits72.62%74.73%73.95%77.00%79.37%81.17%84.51%88.89%+1,189 bps
Liquid Assets / Assets11.08%8.81%10.74%8.92%7.43%6.37%6.36%6.00%-292 bps
CRE / Total Capitaln/an/an/an/a388%417%430%n/an/a