The Cornerstone Bank
South West City, MO·RSSD 312356·FDIC 9388·bank:312356·CBLR opted in
- #123 of 195Total assets in Missouri
- 5offices
- 51employees
- Top 3%Net interest margin 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 The Cornerstone Bank
1 of 25 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Net charge-offs rising while the peer median holds steadyWorth a look: Asset quality1.43%peers 0.00%+143 bps
The Cornerstone Bank's annualized net charge-off rate rose 136 bps over the past year to 1.43%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.43% | 0.00% | +143 bps |
| 12-month change | ||
| +136 bps | 0 bps | +136 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: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Where The Cornerstone Bank differs most from peers
Net interest margin among the highest of similar banksContext: Earnings5.68%peers 4.03%+165 bps
The Cornerstone Bank's net interest margin was 5.68%, compared with a median of 4.03% among 1222 similar banks: higher than 97% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 5.68% | 4.03% | +165 bps |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersContext: Efficiency56.3%peers 63.3%-7.0 pp
The Cornerstone Bank's efficiency ratio fell 12.5 percentage points over the past year to 56.3%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 56.3% | 63.3% | -7.0 pp |
| 12-month change | ||
| -12.5 pp | -2.1 pp | -10.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The Cornerstone Bank itself is left out of every peer median and percentile. How signals work
Key facts
- The Cornerstone Bank is a bank headquartered in South West City, Missouri. It reported $211 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $183 million, up 5.9% from a year earlier, and loans totaled $170 million, up 14.2%.
- Its net interest margin was 5.68% and its annualized return on assets was 1.71% for the quarter.
- Its cost of all deposits was 2.34%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million 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 The Cornerstone Bank's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- The Cornerstone Bank · Bank
- Federal Reserve RSSD
- 312356
- FDIC certificate
- 9388
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The 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 |
|---|---|---|
| $893K | — | |
| $3.89M | — | |
| $1.07M | — | |
| $2.82M | — | |
| $358K | — | |
| $1.79M | — | |
| $497K | — | |
| $497K | — | |
| 1.71% | 1.71%ROAQ · Quarter | |
| 5.68% | 5.67%NIMYQ · Quarter | |
| 56.28% | 56.28%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.