Cornerstone Bank
Spencer, MA · Cert 90282 · Peer group: banks $1B-$10B in assets (n=322-328) · Peoplesbancorp MHC
State charter, Fed member · FED · 1 affiliate bank · 17 branches (38 in holding)
Q2 2026
$2.6BAssets
$1.9BLoans
$1.9BDeposits
$227.5MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 65% of banks $1B-$10B in assets (rank 114 of 322).
- Widest gap: efficiency ratio trails 97% of banks $1B-$10B in assets (rank 318 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.56%
Rank 304 of 328
Net Interest Margin
3.00%
Rank 250 of 328
Efficiency Ratio
83.52%
Rank 318 of 328
Equity / Assets
8.84%
Rank 266 of 328
Non-interest income vs. expense
Unfavorable gap of $57.3M · efficiency ratio beats 3% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.91% | 1.22% | 1.52% | Beats 7% | 304 / 328 | |
| Return on Equity | 6.29% | 8.43% | 11.45% | 14.43% | Beats 13% | 287 / 328 | |
| Net Interest Margin | 3.00% | 3.03% | 3.45% | 3.83% | Beats 24% | 250 / 328 | |
| Efficiency Ratio | 83.52% | 51.61% | 59.56% | 67.53% | Beats 3% | 318 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.24% | 0.51% | 1.03% | Beats 65% | 114 / 322 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 59% | 135 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.84% | 11.75% | 13.15% | 15.47% | Beats 27% | 241 / 328 | |
| Total Risk-Based Capital Ratio | 12.31% | 12.63% | 14.15% | 16.46% | Beats 22% | 255 / 328 | |
| Equity / Assets | 8.84% | 9.15% | 10.33% | 12.01% | Beats 19% | 266 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 99.84% | 76.63% | 87.92% | 95.36% | 85th pctl | 48 / 323 | |
| Loans / Assets | 75.13% | 65.18% | 74.15% | 79.98% | 55th pctl | 148 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |