BlastPoint's Banking Scorecard
Cornerstone Bank
Community
Specialty: Agricultural
NE
FDIC cert 5496
York, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Cornerstone Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 6% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
-2.4% YoY
-0.5% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.1B
-3.0% YoY
-1.5% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.4B
+0.9% YoY
+2.1% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.11%
+11.1% YoY
+1.9% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.21%
+10.0% YoY
+1.2% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
62.94%
-1.6% YoY
+0.2% QoQ
|
+0.31% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.47%
+26.1% YoY
-68.0% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
84.76%
-3.9% YoY
-3.5% QoQ
|
+1.70% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
14.34%
-2.2% YoY
+10.4% QoQ
|
-6.70% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.35%
+25.2% YoY
-68.4% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.75%
+8.0% YoY
+38.1% QoQ
|
+0.01% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#26 of 432 · Bottom 6% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.76% · Tier avg: 83.06%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
49
49th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
48
48th pctile
Efficiency Ratio
Current: 62.94% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.34% · Tier avg: 21.05%
Top Weaknesses
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.34% · Tier avg: 21.05%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Efficiency Ratio
Current: 62.94% · Tier avg: 62.63%
49
49th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.76% · Tier avg: 83.06%
74
74th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.74%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B