Lebanon, MO · Cert 57576 · Cornerstone Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
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 | 1.18% | 1.24% | 1.22% | 1.57% | 1.28% | 1.04% | 1.13% | 1.23% | -34 bps | |
| Return on Equity | 15.47% | 15.71% | 14.87% | 18.78% | 15.15% | 12.48% | 13.27% | 14.05% | -473 bps | |
| Net Interest Margin | 3.55% | 3.58% | 3.66% | 3.98% | 3.85% | 3.77% | 3.61% | 3.80% | -18 bps | |
| Efficiency Ratio | 62.14% | 60.09% | 59.75% | 52.12% | 54.14% | 55.90% | 61.33% | 61.21% | +909 bps | |
| Non-Interest Burden | 1.92% | 1.88% | 1.92% | 1.63% | 1.74% | 1.82% | 2.00% | 2.05% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.43% | 14.95% | 18.54% | 14.44% | 13.92% | 17.26% | 11.89% | 8.23% | -621 bps | |
| Loan Growth (YoY) | 17.31% | 15.14% | 15.82% | 14.48% | 14.01% | 14.52% | 13.23% | 11.27% | -320 bps | |
| Deposit Growth (YoY) | 20.31% | 16.16% | 17.62% | 12.45% | 13.76% | 19.80% | 12.17% | 9.78% | -266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.19% | 0.25% | 0.22% | 0.21% | 2.28% | 3.43% | 2.74% | +253 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.02% | 0.10% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.12% | 1.11% | 1.15% | 1.17% | 1.27% | 1.40% | 1.42% | 1.45% | +28 bps | |
| Allowance Coverage of NPLs | 7.0x | 6.0x | 4.6x | 5.4x | 6.1x | 0.6x | 0.4x | 0.5x | -4.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.75% | 9.22% | 9.49% | 9.62% | 9.32% | 9.31% | 9.38% | 9.64% | +2 bps | |
| Total Risk-Based Capital | 8.75% | 9.22% | 9.49% | 9.62% | 9.32% | 9.31% | 9.38% | 9.64% | +2 bps | |
| Equity / Assets | 7.67% | 8.17% | 8.22% | 8.44% | 8.41% | 8.33% | 8.67% | 8.83% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.35% | 87.88% | 86.10% | 86.20% | 83.53% | 84.01% | 86.91% | 87.38% | +117 bps | |
| Liquid Assets / Assets | 7.07% | 5.36% | 4.73% | 6.85% | 6.65% | 5.74% | 5.93% | 4.15% | -270 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 368% | 359% | n/a | n/a | |