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
Unfavorable gap of $190K · efficiency ratio beats 1% of banks under $1B in assets in KY | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 1.13% | 3.45% | 3.75% | 3.96% | Beats 0% | 69 / 69 | |
| Efficiency Ratio | 171.43% | 55.32% | 62.99% | 70.80% | Beats 1% | 69 / 69 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.52% | 1.14% | Beats 100% | 6 / 69 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.06% | Beats 100% | 7 / 69 | |
| Capital |
| Tier 1 Capital Ratio | 221% | 11.33% | 13.58% | 16.27% | Beats 99% | 1 / 69 | |
| Total Risk-Based Capital Ratio | 221% | 11.55% | 14.43% | 17.27% | Beats 99% | 1 / 69 | |
| Equity / Assets | 55.28% | 8.31% | 9.91% | 12.53% | Beats 99% | 1 / 69 | |
| Liquidity & Funding |
| Loans / Deposits | 14.46% | 71.40% | 81.07% | 88.03% | 0th pctl | 69 / 69 | |
| Loans / Assets | 6.46% | 61.10% | 68.66% | 76.68% | 0th pctl | 69 / 69 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |