BlastPoint's Banking Scorecard
Cornerstone Capital Bank, SSB
Community
Specialty: Other
TX
FDIC cert 1213
Houston, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Cornerstone Capital Bank, SSB has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 29% in Community
- + Loan-to-Deposit Ratio 47.97% above tier
- + Tier 1 Capital Ratio 10.94% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5% in Community
- - Efficiency Drag: Bottom 26% in Community
- - Capital Constraint: Bottom 96% in Community
- - Net Interest Margin 1.29% below tier
- - Delinquency Rate 4.09% above tier
- - Nonperforming Asset Ratio 2.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+8.3% YoY
+9.2% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$1.7B
+23.2% YoY
+12.1% QoQ
|
+$739.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$1.3B
-5.2% YoY
-6.1% QoQ
|
+$144.4M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.69%
-11.4% YoY
-18.6% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.37%
+15.5% YoY
+1.2% QoQ
|
-1.29% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
84.95%
+2.2% YoY
+1.3% QoQ
|
+22.32% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
4.72%
+85.1% YoY
+47.3% QoQ
|
+4.09% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
131.04%
+30.0% YoY
+19.4% QoQ
|
+47.97% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.96%
+38.4% YoY
-15.0% QoQ
|
+2.91% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
3.34%
+101.3% YoY
+49.9% QoQ
|
+2.84% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
21.18%
-19.7% YoY
-13.2% QoQ
|
+10.94% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
12.07%
-9.0% YoY
+20.3% QoQ
|
+11.33% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#109 of 371 · Top 29% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
12.07%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.69%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
131.04%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.18%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Liquidity Overhang
risk
#14 of 268 · Bottom 5% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.18%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
131.04%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#41 of 152 · Bottom 26% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
84.95%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#45 of 47 · Bottom 96% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
131.04%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
21.18%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 4%
in Community
Why this stands out
Current:
2.37%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.72%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.34%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Non-Interest Income / Assets
Current: 12.07% · Tier avg: 0.74%
99
99th pctile
Loan-to-Deposit Ratio
Current: 131.04% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.18% · Tier avg: 10.24%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.96% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 84.95% · Tier avg: 62.63%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.66%
0
0th pctile
Delinquency Rate
Current: 4.72% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.34% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.34% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.72% · Tier avg: 0.63%
4
4th pctile
Net Interest Margin
Current: 2.37% · Tier avg: 3.66%
6
6th pctile
Efficiency Ratio
Current: 84.95% · Tier avg: 62.63%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.96% · Tier avg: 21.05%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
95
95th pctile
Tier 1 Capital Ratio
Current: 21.18% · Tier avg: 10.24%
99
99th pctile
Loan-to-Deposit Ratio
Current: 131.04% · Tier avg: 83.06%
100
100th pctile
Non-Interest Income / Assets
Current: 12.07% · Tier avg: 0.74%