Cornerstone Bank
Spencer, MA·RSSD 447100·FDIC 90282·bank:447100·Risk-based ratios where reported
- #22 of 94Total assets in Massachusetts
- 17offices
- 242employees
- Top 1%Deposit growth in the U.S.
- #2 of 90Margin improvement in Massachusetts
- Top 2%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Cornerstone Bank
5 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Net interest margin widening faster than peersStrength: Earnings 2nd quarter3.27%peers 3.82%-54 bps
Cornerstone Bank's net interest margin rose 74 bps over the past year to 3.27%. Among 628 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 3.27% | 3.82% | -54 bps |
| 12-month change | ||
| +74 bps | +23 bps | +51 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Deposits growing faster than peersStrength: Funding+45.2%peers +4.9%+40.3 pp
Cornerstone Bank's deposits grew 45.2% over the past year to $1.9 billion. The median among 625 similar banks was +4.9%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| +45.2% | +4.9% | +40.3 pp |
| Deposits | ||
| $1.9 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+49.0%peers +5.3%+43.7 pp
Cornerstone Bank's total assets grew 49.0% over the past year to $2.6 billion. The median among 629 similar banks was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +49.0% | +5.3% | +43.7 pp |
| Total assets | ||
| $2.6 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+38.0%peers +5.7%+32.3 pp
Cornerstone Bank's loans grew 38.0% over the past year to $1.9 billion. The median among 624 similar banks was +5.7%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +38.0% | +5.7% | +32.3 pp |
| Loans | ||
| $1.9 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Cornerstone Bank itself is left out of every peer median and percentile. How signals work
1 more observation
- Noninterest-bearing deposit share rising while the peer median fallsFunding
Key facts
- Cornerstone Bank is a bank headquartered in Spencer, Massachusetts. It reported $2.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $1.9 billion, up 45.2% from a year earlier, and loans totaled $1.9 billion, up 38.0%.
- Its net interest margin was 3.27% and its annualized return on assets was 0.50% for the quarter.
- Its cost of all deposits was 1.78%, compared with a median of 1.94% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Cornerstone Bank's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Cornerstone Bank · Bank
- Federal Reserve RSSD
- 447100
- FDIC certificate
- 90282
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Cornerstone Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $3.1M | — | |
| $29.67M | — | |
| $11.06M | — | |
| $18.61M | — | |
| $3.82M | — | |
| $18.88M | — | |
| $126K | — | |
| $187K | — | |
| 0.50% | 0.50%ROAQ · Quarter | |
| 3.27% | 3.26%NIMYQ · Quarter | |
| 84.17% | 81.71%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.