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Cornerstone Community Bank

Red Bluff, CA · Cert 58411

FDIC · 4 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=528 to 576). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2025peer median (50)

Asset Quality

85

Q2 2024Q2 2025peer median (50)

Profitability

17

Q2 2024Q2 2025peer median (50)

Liquidity

83

Q2 2024Q2 2025peer median

Efficiency

3

Q2 2024Q2 2025peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cornerstone Community Bank

Red Bluff, CA · Cert 58411

FDIC · 4 branches

Q2 2025

$658.1MAssets
$477.9MLoans
$581.0MDeposits
$52.9MEquity
Loan mix
69%RE $208.2M26%C&I $79.3M5%Consumer $16.0MQ2 2024Q2 2025
Deposit mix
85%Interest-bearing $491.8M15%Noninterest $89.2MQ2 2024Q2 2025

NIM

4.45%Q2 ’234.98%Q2 ’245.00%Q2 ’25-13%+3%

Non-interest income vs. expense

1.92%Q2 ’231.91%Q2 ’244.30%Q2 ’25-1%+142%

Market Position · Redding, CA · 2025 SOD (annual) · 8.7% share · #7 of 12 inst. · $0.4B of $4.5B

8.7% Shasta
18.8% Tehama

Executive Summary

  • Earnings: ROA of -0.38%, down 131 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.09% of loans (+1 bps YoY), with net recoveries of 0.65%.
  • Capital: tier 1 leverage ratio of 9.29%, down 58 bps from a year ago.
  • Funding: loans stand at 82.26% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.38%-131 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+9 bps YoY

Efficiency Ratio (YTD, annualized)

128.68%+6,993 bps YoY

Tier 1 Leverage Ratio

9.29%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.93%-0.44%-0.04%0.92%-0.38%-131 bps
Return on Equity11.06%-5.36%-0.51%11.00%-4.55%-1,561 bps
Net Interest Margin3.03%2.91%2.97%3.11%3.12%+9 bps
Efficiency Ratio58.75%59.77%58.88%61.67%128.68%+6,993 bps
Non-Interest Burden1.69%1.65%1.66%1.83%4.08%+239 bps
Growth
Asset Growth (YoY)9.02%6.31%2.33%-3.34%-3.01%-1,203 bps
Loan Growth (YoY)11.34%3.63%3.45%0.69%-4.05%-1,539 bps
Deposit Growth (YoY)4.64%2.33%3.52%-3.04%-2.51%-715 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.00%0.08%0.08%0.09%+1 bps
Net Charge-Offs / Loans0.00%2.56%1.88%0.00%-0.65%-65 bps
Allowance / Loans1.23%1.27%1.24%1.27%1.30%+7 bps
Allowance Coverage of NPLs17.0xn/a15.1x15.3x15.3x-1.7x
Capital
Tier 1 Leverage Ratio9.87%8.90%9.26%9.75%9.29%-58 bps
Total Risk-Based Capital12.85%12.01%12.38%12.83%12.57%-27 bps
Equity / Assets8.41%7.80%8.17%8.52%8.04%-37 bps
Liquidity & Funding
Loans / Deposits83.58%82.63%85.29%85.84%82.26%-132 bps
Liquid Assets / Assets6.34%6.02%3.81%2.70%6.53%+19 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cornerstone Community Bank

Red Bluff, CA · Cert 58411 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 4 branches

Q2 2025

$658.1MAssets
$477.9MLoans
$581.0MDeposits
$52.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 156 of 528).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 559 of 575).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.37%

Rank 543 of 576

Net Interest Margin

3.12%

Rank 352 of 575

Efficiency Ratio

128.68%

Rank 559 of 575

Equity / Assets

8.04%

Rank 471 of 575

Non-interest income vs. expense

$1.5M$28.8MINCOMEEXPENSE
Unfavorable gap of $27.3M · efficiency ratio beats 3% of banks under $1B in assets
Bank 128.68%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.37%0.51%0.91%1.43%Beats 6%543 / 576
Return on Equity-4.64%4.85%8.92%13.13%Beats 5%548 / 575
Net Interest Margin3.12%2.85%3.33%3.90%Beats 39%352 / 575
Efficiency Ratio128.68%58.61%70.08%82.08%Beats 3%559 / 575
Asset Quality
Nonperforming Loans / Loans0.09%0.06%0.34%0.93%Beats 70%157 / 528
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%156 / 528
Capital
Tier 1 Capital Ratio11.40%11.22%13.91%18.96%Beats 27%421 / 575
Total Risk-Based Capital Ratio12.57%11.76%14.45%19.92%Beats 32%393 / 575
Equity / Assets8.04%8.53%10.12%12.97%Beats 18%471 / 575
Liquidity & Funding
Loans / Deposits82.26%64.54%78.36%91.99%57th pctl232 / 538
Loans / Assets72.61%55.85%68.40%77.98%61st pctl207 / 528
Brokered Deposits / Depositsn/aNot reported for this institution