Cornerstone Community Bank
Owensboro, KY·RSSD 6152572·FDIC 59379·bank:6152572·Risk-based ratios where reported
- #115 of 120Total assets in Kentucky
- 1offices
- 10employees
Performance over time
1 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.
No material changes against peers this quarter
0 of 8 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Where Cornerstone Community Bank differs most from peers
Leverage capital ratio among the highest of similar banksContext: Capital277.16%peers 13.04%+264.1 pp
Cornerstone Community Bank's leverage ratio was 277.16%, compared with a median of 13.04% among 583 similar banks: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 277.16% | 13.04% | +264.1 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Cornerstone Community Bank itself is left out of every peer median and percentile. How signals work
Loan-to-deposit ratio among the lowest of similar banksContext: Liquidity14.5%peers 66.9%-52.5 pp
Cornerstone Community Bank's loans as a share of deposits was 14.5%, compared with a median of 66.9% among 544 similar banks: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Loans as a share of deposits | ||
| 14.5% | 66.9% | -52.5 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Cornerstone Community Bank itself is left out of every peer median and percentile. How signals work
Problem loans among the lowest of similar banksContext: Asset quality0.00%peers 0.46%-46 bps
Cornerstone Community Bank's noncurrent loans as a share of loans was 0.00%, compared with a median of 0.46% among 525 similar banks: lower than 86% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans as a share of loans | ||
| 0.00% | 0.46% | -46 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Cornerstone Community Bank itself is left out of every peer median and percentile. How signals work
Key facts
- Cornerstone Community Bank is a bank headquartered in Owensboro, Kentucky. It reported $44.5 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $19.9 million, and loans totaled $2.9 million.
Scorecard against peers
Capitalization
Liquidity & funding
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 Community Bank's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Cornerstone Community Bank · Bank
- Federal Reserve RSSD
- 6152572
- FDIC certificate
- 59379
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Cornerstone Community 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.
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| — | -0.67%ROAQ · Quarter | |
| — | 0.49%NIMYQ · Quarter | |
| — | 171.43%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.