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Cornerstone Bank
Spencer, MA · FDIC Certificate #90282 · Chartered 04/0
Total assets
$2.57B
Total deposits
$1.94B
Total equity
$227.46M
Net loans
$1.93B
Branches (offices)
17
Net income (YTD)
$7.15M
Rank: #493 of 4,213 U.S. banks by assets · #21 of 89 in Massachusetts. Assets changed 49.0% and deposits 45.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 6.96% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 8.84% |
| Tier 1 leverage ratio | 9.22% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.35% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 99.4% |
| Real estate loans (share of loans) | 89.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.73B | 89.6% | |
| Commercial & industrial | $90.97M | 4.7% | |
| Consumer / individual | $117.75M | 6.1% | |
| Construction & development | $32.61M | 1.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.42B | $1.21B | $3.85M | $116.05M |
| Jun 2023 | $1.54B | $1.24B | $2.33M | $119.73M |
| Jun 2024 | $1.62B | $1.28B | $1.27M | $124.58M |
| Jun 2025 | $1.73B | $1.33B | $2.87M | $152.51M |
| Jun 2026 | $2.57B | $1.94B | $7.15M | $227.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Massachusetts | $1.94B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.94B.
Similar-sized banks
Extraco Banks, National Association ($2.57B) · United Business Bank ($2.56B)
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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