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Cornerstone Community Bank

Owensboro, KY · Cert 59379

1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 in KY (n=69). 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

99

Q2 2026Q2 2026peer median (50)

Asset Quality

100

Q2 2026Q2 2026peer median (50)

Profitability

0

Q2 2026Q2 2026peer median (50)

Liquidity

0

Q2 2026Q2 2026peer median

Efficiency

1

Q2 2026Q2 2026peer 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 2026-10-10

Cornerstone Community Bank

Owensboro, KY · Cert 59379

1 branch

Q2 2026

$44.5MAssets
$2.9MLoans
$19.9MDeposits
$24.6MEquity

NIM

Non-interest income vs. expense

Market Position · Owensboro, KY · 2026 SOD (annual) · 0.6% share · #14 of 14 inst. · $0.0B of $3.3B

Executive Summary

  • Earnings: ROA of -0.34%; NIM at 1.13%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 277.16%.
  • Funding: loans stand at 14.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.34%

Net Interest Margin (YTD, annualized)

1.13%

Efficiency Ratio (YTD, annualized)

171.43%

Tier 1 Leverage Ratio

277%

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets-0.34%n/an/a
Return on Equity-0.61%n/an/a
Net Interest Margin1.13%n/an/a
Efficiency Ratio171.43%n/an/a
Non-Interest Burden2.14%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Deposit Growth (YoY)n/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%n/an/a
Net Charge-Offs / Loans0.00%n/an/a
Allowance / Loans1.04%n/an/a
Allowance Coverage of NPLsn/an/an/a
Capital
Tier 1 Leverage Ratio277%n/an/a
Total Risk-Based Capital221%n/an/a
Equity / Assets55.28%n/an/a
Liquidity & Funding
Loans / Deposits14.46%n/an/a
Liquid Assets / Assets85.75%n/an/a
CRE / Total Capitaln/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 2026-10-10

Cornerstone Community Bank

Owensboro, KY · Cert 59379 · Peer group: banks under $1B in assets in KY (n=69)

1 branch

Q2 2026

$44.5MAssets
$2.9MLoans
$19.9MDeposits
$24.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KY (rank 6 of 69).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in KY (rank 69 of 69).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

-0.34%

Rank 69 of 69

Net Interest Margin

1.13%

Rank 69 of 69

Efficiency Ratio

171.43%

Rank 69 of 69

Equity / Assets

55.28%

Rank 1 of 69

Non-interest income vs. expense

$26K$216KINCOMEEXPENSE
Unfavorable gap of $190K · efficiency ratio beats 1% of banks under $1B in assets in KY
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.34%0.83%1.18%1.44%Beats 0%69 / 69
Return on Equity-0.61%7.64%11.70%15.70%Beats 0%69 / 69
Net Interest Margin1.13%3.45%3.75%3.96%Beats 0%69 / 69
Efficiency Ratio171.43%55.32%62.99%70.80%Beats 1%69 / 69
Asset Quality
Nonperforming Loans / Loans0.00%0.18%0.52%1.14%Beats 100%6 / 69
Net Charge-Offs / Loans0.00%0.01%0.02%0.06%Beats 100%7 / 69
Capital
Tier 1 Capital Ratio221%11.33%13.58%16.27%Beats 99%1 / 69
Total Risk-Based Capital Ratio221%11.55%14.43%17.27%Beats 99%1 / 69
Equity / Assets55.28%8.31%9.91%12.53%Beats 99%1 / 69
Liquidity & Funding
Loans / Deposits14.46%71.40%81.07%88.03%0th pctl69 / 69
Loans / Assets6.46%61.10%68.66%76.68%0th pctl69 / 69
Brokered Deposits / Depositsn/aNot reported for this institution