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
Unfavorable gap of $27.3M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 3.12% | 2.85% | 3.33% | 3.90% | Beats 39% | 352 / 575 | | |
| Efficiency Ratio | 128.68% | 58.61% | 70.08% | 82.08% | Beats 3% | 559 / 575 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.06% | 0.34% | 0.93% | Beats 70% | 157 / 528 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 156 / 528 | | |
| Capital |
| Tier 1 Capital Ratio | 11.40% | 11.22% | 13.91% | 18.96% | Beats 27% | 421 / 575 | | |
| Total Risk-Based Capital Ratio | 12.57% | 11.76% | 14.45% | 19.92% | Beats 32% | 393 / 575 | | |
| Equity / Assets | 8.04% | 8.53% | 10.12% | 12.97% | Beats 18% | 471 / 575 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.26% | 64.54% | 78.36% | 91.99% | 57th pctl | 232 / 538 | | |
| Loans / Assets | 72.61% | 55.85% | 68.40% | 77.98% | 61st pctl | 207 / 528 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |