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The Corner Stone Bank
South West City, MO · FDIC Certificate #9388 · Chartered 01/0
Total assets
$211.45M
Total deposits
$183.39M
Total equity
$25.27M
Net loans
$167.52M
Branches (offices)
5
Net income (YTD)
$1.58M
Rank: #2,907 of 4,213 U.S. banks by assets · #121 of 190 in Missouri. Assets changed 7.0% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.53% |
| Return on equity | 12.78% |
| Net interest margin (YTD) | 5.60% |
| Equity to assets | 11.95% |
| Tier 1 leverage ratio | 12.18% |
| Uninsured deposits (share of deposits) | 7.8% |
| Noncurrent loans (share of loans) | 1.72% |
| Net charge-offs (share of loans) | 0.88% |
| Loans to deposits | 91.3% |
| Real estate loans (share of loans) | 75.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $126.01M | 75.2% | |
| Commercial & industrial | $20.08M | 12.0% | |
| Consumer / individual | $18.33M | 10.9% | |
| Construction & development | $5.60M | 3.3% | |
| Agricultural | $4.91M | 2.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $184.82M | $164.47M | $1.03M | $20.07M |
| Jun 2023 | $173.71M | $150.65M | $573.00K | $20.32M |
| Jun 2024 | $193.01M | $166.80M | $1.07M | $21.53M |
| Jun 2025 | $197.58M | $173.16M | $1.60M | $23.61M |
| Jun 2026 | $211.45M | $183.39M | $1.58M | $25.27M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $183.39M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $183.39M.
Similar-sized banks
Madison County Community Bank ($211.68M) · Kendall Bank ($211.11M)
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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