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Cornerstone National Bank & Trust Company
Palatine, IL · FDIC Certificate #57061 · Chartered 10/1
Total assets
$1.01B
Total deposits
$897.01M
Total equity
$104.26M
Net loans
$787.44M
Branches (offices)
5
Net income (YTD)
$5.87M
Rank: #1,038 of 4,213 U.S. banks by assets · #54 of 322 in Illinois. Assets changed 0.8% and deposits 0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.15% |
| Return on equity | 11.49% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 10.35% |
| Tier 1 leverage ratio | 10.36% |
| Uninsured deposits (share of deposits) | 45.1% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 72.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $567.49M | 72.1% | |
| Commercial & industrial | $224.55M | 28.5% | |
| Consumer / individual | $3.79M | 0.5% | |
| Construction & development | $26.79M | 3.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.02B | $916.49M | $4.57M | $83.57M |
| Jun 2023 | $971.26M | $865.46M | $6.18M | $84.29M |
| Jun 2024 | $985.45M | $886.16M | $4.67M | $91.62M |
| Jun 2025 | $999.73M | $891.80M | $5.24M | $99.70M |
| Jun 2026 | $1.01B | $897.01M | $5.87M | $104.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $897.01M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $897.01M.
Similar-sized banks
Pioneer Bank & Trust ($1.01B) · Maplemark Bank ($1.01B)
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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