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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