Cornerstone Bank
Lexington, VA · Cert 58859 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 4 branches
Q2 2026
$232.8MAssets
$184.8MLoans
$198.6MDeposits
$24.8MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 85% of banks under $1B in assets (rank 93 of 629).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets (rank 522 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.18%
Rank 249 of 629
Net Interest Margin
4.33%
Rank 93 of 629
Efficiency Ratio
65.38%
Rank 268 of 629
Equity / Assets
10.65%
Rank 315 of 629
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 58% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 0.60% | 1.01% | 1.45% | Beats 60% | 249 / 629 | |
| Return on Equity | 11.09% | 5.38% | 9.30% | 13.28% | Beats 61% | 245 / 629 | |
| Net Interest Margin | 4.33% | 3.03% | 3.54% | 4.05% | Beats 85% | 93 / 629 | |
| Efficiency Ratio | 65.38% | 58.35% | 67.79% | 79.08% | Beats 58% | 268 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.09% | 0.46% | 1.20% | Beats 34% | 386 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 61% | 227 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 10.86% | 11.24% | 13.84% | 18.77% | Beats 20% | 503 / 629 | |
| Total Risk-Based Capital Ratio | 10.86% | 11.58% | 14.43% | 19.66% | Beats 17% | 522 / 629 | |
| Equity / Assets | 10.65% | 9.09% | 10.65% | 13.80% | Beats 50% | 315 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 93.08% | 67.24% | 80.90% | 93.48% | 74th pctl | 152 / 594 | |
| Loans / Assets | 79.40% | 53.31% | 67.71% | 78.15% | 80th pctl | 124 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |