Total Assets
$2.6B
Total Deposits
$1.9B
Branches
17
Established
1871
Cornerstone Bank is a bank headquartered in Spencer, Massachusetts, established in 1871. It holds $2.6B in total assets across 17 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Cornerstone Bank earns a TFS Financial Health Grade of D+ (58.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
58.9 / 100
Below average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. 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.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
58.9
Tier 1 capital ratio
9.22%
Return on assets
0.63%
Non-performing loans
0.35%
Efficiency ratio
81.02%
Asset growth (YoY)
49.01%
Suggested direct comparisons
Rockland, MA
$25.0B
$2.7B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.