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Cornerstone Bank
York, NE · FDIC Certificate #5496 · Chartered 04/2
Total assets
$2.73B
Total deposits
$2.31B
Total equity
$249.73M
Net loans
$2.07B
Branches (offices)
48
Net income (YTD)
$16.85M
Rank: #469 of 4,213 U.S. banks by assets · #4 of 138 in Nebraska. Assets changed -2.2% and deposits -0.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 13.70% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 9.15% |
| Tier 1 leverage ratio | 9.88% |
| Uninsured deposits (share of deposits) | 34.0% |
| Noncurrent loans (share of loans) | 1.55% |
| Net charge-offs (share of loans) | 0.18% |
| Loans to deposits | 89.4% |
| Real estate loans (share of loans) | 57.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.18B | 57.1% | |
| Commercial & industrial | $309.18M | 15.0% | |
| Consumer / individual | $20.73M | 1.0% | |
| Construction & development | $150.38M | 7.3% | |
| Agricultural | $468.73M | 22.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.12B | $1.87B | $13.37M | $174.36M |
| Jun 2023 | $2.47B | $2.05B | $16.02M | $174.38M |
| Jun 2024 | $2.77B | $2.31B | $14.27M | $197.62M |
| Jun 2025 | $2.79B | $2.32B | $14.95M | $226.89M |
| Jun 2026 | $2.73B | $2.31B | $16.85M | $249.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $2.31B | 48 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.31B.
Similar-sized banks
State Bank Of Southern Utah ($2.74B) · Westfield Bank ($2.73B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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