What is Cornerstone Bank's financial health grade?

Cornerstone Bank has a TFS Financial Health Grade of D (score: 65.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Cornerstone Bank have?

Cornerstone Bank has 50 branch locations across the United States.

Is Cornerstone Bank FDIC insured?

Yes, Cornerstone Bank is FDIC insured (Certificate #5496).

What are the total assets of Cornerstone Bank?

Cornerstone Bank has total assets of $2.8B as reported in its most recent FDIC filing.

Cornerstone Bank

BankYork, Nebraska

www.cornerstoneconnect.com

Total Assets

$2.8B

Total Deposits

$2.4B

Branches

Established

1882

TFS Health Grade

65.0 / 100

Below average financial health

How we grade

Cornerstone Bank is a bank headquartered in York, Nebraska, established in 1882. With $2.8B in total assets and 50 branch locations, it has a TFS Financial Health Grade of D (65.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.39%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.46%

Profitability

Return on Assets (ROA)

1.11%(1%)

Return on Equity (ROE)

13.74%(10%)

Net Interest Margin

3.21%

Efficiency Ratio

62.94%(60%)

Lending & Liquidity

Total Loans

$2.1B

Loan-to-Deposit Ratio

84.76%

Net Charge-Off Ratio

0.22%

Growth

Asset Growth (YoY)

-2.38%

Deposit Growth (YoY)

+0.90%

Net Income

$31.1M

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	529 N Lincoln Ave	York	NE	11
Cornerstone Bank	240 S 3rd St	Albion	NE	27
Cornerstone Bank	240 S 3rd St	Albion	NE	11
Cornerstone Bank	295 Center Ave	Ashton	NE	11
Cornerstone Bank	1206 13th St	Aurora	NE	11
Cornerstone Bank	Third And Main Streets	Bartlett	NE	11
Cornerstone Bank	520 Lincoln St	Bradshaw	NE	11
Cornerstone Bank	1631 16th St	Central City	NE	11
Cornerstone Bank	103 S Brown Ave	Clay Center	NE	11
Cornerstone Bank	604 Main St	Clearwater	NE	11
Cornerstone Bank	3304 16th St	Columbus	NE	11
Cornerstone Bank	818 E 23rd St	Columbus	NE	12
Cornerstone Bank	1727 23rd St	Columbus	NE	11
Cornerstone Bank	709 Peabody Ave	Creighton	NE	11
Cornerstone Bank	100 W 6th St	Davenport	NE	11
Cornerstone Bank	307 N C St	Edgar	NE	11
Cornerstone Bank	1502 M St	Franklin	NE	11
Cornerstone Bank	311 N 13th St	Geneva	NE	11
Cornerstone Bank	211 Winters Ave	Glenvil	NE	11
Cornerstone Bank	3501 S Locust St	Grand Island	NE	12
Cornerstone Bank	810 N Diers Ave	Grand Island	NE	11
Cornerstone Bank	2250 N Diers Ave	Grand Island	NE	12
Cornerstone Bank	401 University Ave	Guide Rock	NE	11
Cornerstone Bank	409 A St	Hampton	NE	11
Cornerstone Bank	302 N Clay Ave	Harvard	NE	11
Cornerstone Bank	936 N Main St	Henderson	NE	11
Cornerstone Bank	133 Commercial Ave	Hildreth	NE	11
Cornerstone Bank	147 Center Ave	Malmo	NE	11
Cornerstone Bank	402 Marquis Ave	Marquette	NE	11
Cornerstone Bank	401 E M St	Mccool Junction	NE	11
Cornerstone Bank	404 Gerrard Ave	Monroe	NE	11
Cornerstone Bank	102 W Main St	Murray	NE	11
Cornerstone Bank	404 W 1st St	North Loup	NE	11
Cornerstone Bank	145 E 2nd St	Orchard	NE	11
Cornerstone Bank	211 Rock Bluff Rd	Plattsmouth	NE	11
Cornerstone Bank	190 N Main St	Polk	NE	11
Cornerstone Bank	260 Garhan Ave	Rising City	NE	11
Cornerstone Bank	200 Main St	Saint Edward	NE	11
Cornerstone Bank	119 C St	Shelton	NE	11
Cornerstone Bank	400 Main St	Stromsburg	NE	11
Cornerstone Bank	101 W Elm St	Sutton	NE	11
Cornerstone Bank	902 S Saunders Ave	Sutton	NE	23
Cornerstone Bank	100 E 2nd St	Tilden	NE	11
Cornerstone Bank	Midland Street	Waco	NE	11
Cornerstone Bank	102 W Sapp St	Wilcox	NE	11
Cornerstone Bank	1730 N Lincoln Ave	York	NE	23
Cornerstone Bank	528 N Grant Ave	York	NE	23
Cornerstone Bank	529 N Lincoln Ave	York	NE	27
Cornerstone Bank	3511 S Lincoln Ave	York	NE	11
Cornerstone Bank	101 E David Dr	York	NE	12

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.