PackageTrendsPeer
Letter portraitLegal landscape

Cornerstone Bank

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

$504.9MAssets
$436.6MLoans
$298.4MDeposits
$43.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 77% of banks under $1B in assets in the Kansas City, MO-KS area (rank 10 of 39).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in the Kansas City, MO-KS area (rank 39 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

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

Non-interest income vs. expense

$0.2M$8.4MINCOMEEXPENSE
Unfavorable gap of $8.2M · efficiency ratio beats 72% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 52.03%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.18%1.02%1.39%1.86%Beats 35%26 / 40
Return on Equity13.60%10.74%14.78%21.32%Beats 35%26 / 40
Net Interest Margin3.30%3.33%4.05%4.63%Beats 23%31 / 40
Efficiency Ratio52.03%51.70%58.10%69.29%Beats 72%12 / 40
Asset Quality
Nonperforming Loans / Loans0.05%0.05%0.20%1.11%Beats 77%10 / 39
Net Charge-Offs / Loans0.02%n/a0.00%0.05%Beats 31%28 / 39
Capital
Tier 1 Capital Ratio9.16%11.32%12.27%16.94%Beats 3%39 / 40
Total Risk-Based Capital Ratio9.16%11.32%13.09%17.63%Beats 3%39 / 40
Equity / Assets8.64%8.41%10.10%12.34%Beats 28%29 / 40
Liquidity & Funding
Loans / Deposits146.32%73.50%85.60%94.85%98th pctl1 / 40
Loans / Assets86.47%62.75%69.87%79.23%93rd pctl3 / 40
Brokered Deposits / Depositsn/aNot reported for this institution