What is Cornerstone Bank's financial health grade?

Cornerstone Bank has a TFS Financial Health Grade of D (score: 65.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cornerstone Bank have?

Cornerstone Bank has 17 branch locations across the United States.

Is Cornerstone Bank FDIC insured?

Yes, Cornerstone Bank is FDIC insured (Certificate #90282).

What are the total assets of Cornerstone Bank?

Cornerstone Bank has total assets of $1.8B as reported in its most recent FDIC filing.

Cornerstone Bank

BankSpencer, Massachusetts

www.cornerstonebank.com

Total Assets

$1.8B

Total Deposits

$1.4B

Branches

Established

1871

TFS Health Grade

65.7 / 100

Below average financial health

How we grade

Cornerstone Bank is a bank headquartered in Spencer, Massachusetts, established in 1871. With $1.8B in total assets and 12 branch locations, it has a TFS Financial Health Grade of D (65.7/100).

Capital & Safety

Tier 1 Capital Ratio

9.58%(8%)

Total Capital Ratio

12.90%(10%)

Non-Performing Loan Ratio

0.40%

Profitability

Return on Assets (ROA)

0.48%(1%)

Return on Equity (ROE)

5.41%(10%)

Net Interest Margin

2.54%

Efficiency Ratio

93.32%(60%)

Lending & Liquidity

Total Loans

$1.5B

Loan-to-Deposit Ratio

102.10%

Net Charge-Off Ratio

-0.01%

Growth

Asset Growth (YoY)

+8.50%

Deposit Growth (YoY)

+8.54%

Net Income

$8.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Cornerstone BankHQ	176 Main St	Spencer	MA	11
Cornerstone Bank	52 Main St	Ashburnham	MA	11
Cornerstone Bank	388 Main St	Athol	MA	11
Cornerstone Bank	560 Summer St	Barre	MA	11
Cornerstone Bank	2 Center Depot Rd	Charlton	MA	11
Cornerstone Bank	196 Timpany Blvd	Gardner	MA	11
Cornerstone Bank	1073 Main St	Holden	MA	11
Cornerstone Bank	121 S Main St	Leicester	MA	11
Cornerstone Bank	93 Main St	Rutland	MA	11
Cornerstone Bank	195 Main Street	Shrewsbury	MA	11
Cornerstone Bank	253 Main St	Southbridge	MA	11
Cornerstone Bank	200 Charlton Rd	Sturbridge	MA	11
Cornerstone Bank	86 Worcester Rd	Webster	MA	11
Cornerstone Bank	112 Central St	Winchendon	MA	11
Cornerstone Bank	70 W Boylston St	Worcester	MA	11
Cornerstone Bank	230 Park Ave	Worcester	MA	11
Cornerstone Bank	1125 Pleasant St	Worcester	MA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.