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Cornerstone Community Bank
Owensboro, KY · FDIC Certificate #59379 · Chartered 06/0
Total assets
$44.49M
Total deposits
$19.89M
Total equity
$24.59M
Net loans
$2.85M
Branches (offices)
1
Net income (YTD)
-$75.00K
Rank: #4,072 of 4,213 U.S. banks by assets · #115 of 120 in Kentucky. Assets changed - and deposits - over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.34% |
| Return on equity | -0.61% |
| Net interest margin (YTD) | 0.24% |
| Equity to assets | 55.28% |
| Tier 1 leverage ratio | 277.16% |
| Uninsured deposits (share of deposits) | 63.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 14.3% |
| Real estate loans (share of loans) | 100.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.85M | 100.0% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $30.00K | 1.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $44.49M | $19.89M | -$75.00K | $24.59M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $19.89M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $19.89M.
Similar-sized banks
Ninnescah Valley Bank ($44.59M) · Welcome State Bank ($44.28M)
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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