BlastPoint's Banking Scorecard
Cornerstone Bank
Micro
Specialty: Other
IA
FDIC cert 30067
Designations: ✓ Community bank
Clarinda, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Cornerstone Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 22.30% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.6M
-3.8% YoY
-2.9% QoQ
|
-$172.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$26.7M
-7.2% YoY
-2.2% QoQ
|
-$112.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$37.4M
-1.0% YoY
+1.6% QoQ
|
-$146.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.77%
+304.6% YoY
-9.8% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.76%
+45.1% YoY
+1.8% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
76.95%
-8.0% YoY
-0.5% QoQ
|
+9.22% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.50%
-83.6% YoY
+0.7% QoQ
|
-0.14% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
71.27%
-6.3% YoY
-3.8% QoQ
|
-3.26% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
12.42%
-4.7% YoY
-1.9% QoQ
|
-9.97% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.30%
-84.2% YoY
+1.4% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
31.15%
+20.9% YoY
+5.2% QoQ
|
+22.30% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.29%
-66.9% YoY
+46.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
31.15%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
96
96th pctile
Tier 1 Capital Ratio
Current: 31.15% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.27% · Tier avg: 74.53%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
25
25th pctile
Efficiency Ratio
Current: 76.95% · Tier avg: 67.73%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.42% · Tier avg: 22.39%
9
9th pctile
Total Loans
Current: $26.7M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $37.4M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.6M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $44.6M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $37.4M · Tier avg: $183.7M
9
9th pctile
Total Loans
Current: $26.7M · Tier avg: $139.2M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.42% · Tier avg: 22.39%
25
25th pctile
Efficiency Ratio
Current: 76.95% · Tier avg: 67.73%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
45
45th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.64%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.27% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 31.15% · Tier avg: 8.85%