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Cornerstone Capital Bank, SSB
Houston, TX · FDIC Certificate #1213 · Chartered 12/0
Total assets
$3.67B
Total deposits
$2.37B
Total equity
$429.59M
Net loans
$2.59B
Branches (offices)
16
Net income (YTD)
$1.89M
Rank: #356 of 4,213 U.S. banks by assets · #27 of 346 in Texas. Assets changed 59.4% and deposits 59.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.11% |
| Return on equity | 1.00% |
| Net interest margin (YTD) | 2.95% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 10.26% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 3.62% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 109.3% |
| Real estate loans (share of loans) | 84.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.18B | 84.0% | |
| Commercial & industrial | $254.03M | 9.8% | |
| Consumer / individual | $16.06M | 0.6% | |
| Construction & development | $209.34M | 8.1% | |
| Agricultural | $126.64M | 4.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $219.98M | $204.29M | $884.00K | $15.25M |
| Jun 2023 | $2.30B | $1.07B | -$9.45M | $366.34M |
| Jun 2024 | $2.30B | $1.34B | $9.43M | $350.90M |
| Jun 2025 | $2.30B | $1.48B | $10.78M | $361.62M |
| Jun 2026 | $3.67B | $2.37B | $1.89M | $429.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $2.37B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.37B.
Similar-sized banks
St. Charles Bank & Trust Company, National Association ($3.69B) · The Bank Of East Asia Ltd. ($3.66B)
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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