Overland Park, KS · Cert 57250 · Cornerstone Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
54
Profitability
31
Liquidity
0
Efficiency
72
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.
Overland Park, KS · Cert 57250 · Cornerstone Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.3% share · #38 of 114 inst. · $0.3B of $99.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.66% | 0.61% | 0.67% | 0.75% | 0.84% | 1.33% | 1.20% | +53 bps | |
| Return on Equity | 6.00% | 7.52% | 7.04% | 7.75% | 8.70% | 9.79% | 15.14% | 13.76% | +601 bps | |
| Net Interest Margin | 1.97% | 2.07% | 2.45% | 2.57% | 2.66% | 2.72% | 3.16% | 3.30% | +72 bps | |
| Efficiency Ratio | 75.98% | 69.56% | 65.85% | 63.08% | 59.76% | 57.11% | 48.73% | 52.03% | -1,106 bps | |
| Non-Interest Burden | 1.48% | 1.42% | 1.60% | 1.61% | 1.57% | 1.54% | 1.52% | 1.69% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.79% | 5.80% | 7.72% | 7.89% | 11.46% | 11.31% | 4.11% | 6.85% | -104 bps | |
| Loan Growth (YoY) | 7.00% | 8.68% | 8.05% | 8.49% | 9.87% | 10.43% | 8.87% | 6.05% | -243 bps | |
| Deposit Growth (YoY) | 27.32% | 3.70% | 21.75% | 16.49% | -6.14% | -0.58% | -9.92% | -8.64% | -2,513 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.17% | 0.16% | 0.12% | 0.11% | 0.07% | 0.05% | -11 bps | |
| Net Charge-Offs / Loans | -0.27% | -0.20% | -0.01% | -0.01% | 0.05% | 0.03% | -0.01% | 0.03% | +4 bps | |
| Allowance / Loans | 1.23% | 1.13% | 1.15% | 1.15% | 1.14% | 1.11% | 1.13% | 1.13% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.9x | 7.2x | 9.7x | 9.9x | 16.7x | 24.3x | +17.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.14% | 9.14% | 8.90% | 9.14% | 9.06% | 8.91% | 9.00% | 9.16% | +2 bps | |
| Total Risk-Based Capital | 9.14% | 9.14% | 8.90% | 9.14% | 9.06% | 8.91% | 9.00% | 9.16% | +2 bps | |
| Equity / Assets | 8.91% | 8.69% | 8.58% | 8.56% | 8.59% | 8.40% | 9.14% | 8.64% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.42% | 121.28% | 110.04% | 126.04% | 128.08% | 134.71% | 133.00% | 146.32% | +2,027 bps | |
| Liquid Assets / Assets | 7.89% | 7.21% | 9.26% | 8.69% | 8.59% | 6.97% | 3.53% | 8.31% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 644% | 677% | 651% | n/a | n/a | |
Overland Park, KS · Cert 57250 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Cornerstone Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.18%
Rank 26 of 40
Net Interest Margin
3.30%
Rank 31 of 40
Efficiency Ratio
52.03%
Rank 12 of 40
Equity / Assets
8.64%
Rank 29 of 40
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 1.02% | 1.39% | 1.86% | Beats 35% | 26 / 40 | ||
| Return on Equity | 13.60% | 10.74% | 14.78% | 21.32% | Beats 35% | 26 / 40 | ||
| Net Interest Margin | 3.30% | 3.33% | 4.05% | 4.63% | Beats 23% | 31 / 40 | ||
| Efficiency Ratio | 52.03% | 51.70% | 58.10% | 69.29% | Beats 72% | 12 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.20% | 1.11% | Beats 77% | 10 / 39 | ||
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.05% | Beats 31% | 28 / 39 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.16% | 11.32% | 12.27% | 16.94% | Beats 3% | 39 / 40 | ||
| Total Risk-Based Capital Ratio | 9.16% | 11.32% | 13.09% | 17.63% | Beats 3% | 39 / 40 | ||
| Equity / Assets | 8.64% | 8.41% | 10.10% | 12.34% | Beats 28% | 29 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 146.32% | 73.50% | 85.60% | 94.85% | 98th pctl | 1 / 40 | ||
| Loans / Assets | 86.47% | 62.75% | 69.87% | 79.23% | 93rd pctl | 3 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||