BlastPoint's Banking Scorecard
Cornerstone Bank
Community
Specialty: Commercial
KS
FDIC cert 57250
Overland Park, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Cornerstone Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3% in Community
- + Loan-to-Deposit Ratio 50.15% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20% in Community
- - Non-Interest Income / Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$501.5M
+11.3% YoY
+3.2% QoQ
|
-$890.0M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$436.6M
+10.5% YoY
+4.8% QoQ
|
-$538.8M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$327.8M
-0.6% YoY
-0.4% QoQ
|
-$836.8M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.02%
+28.2% YoY
+11.6% QoQ
|
-0.14% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
2.81%
+32.2% YoY
+3.5% QoQ
|
-0.85% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
57.11%
-17.9% YoY
-4.4% QoQ
|
-5.52% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.11%
-4.6% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
133.22%
+11.1% YoY
+5.2% QoQ
|
+50.15% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.39%
+14.1% YoY
+5.0% QoQ
|
-1.66% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.10%
-3.1% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.04%
-25.1% YoY
+27.2% QoQ
|
-0.70% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#13 of 371 · Top 3% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Loan-to-Deposit Ratio
metric
Top 1%
in Community
Why this stands out
Current:
133.22%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Credit Quality Pressure
risk
#160 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 0.74%, National avg: 0.65%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 133.22% · Tier avg: 83.06%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
67
67th pctile
Efficiency Ratio
Current: 57.11% · Tier avg: 62.63%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.39% · Tier avg: 21.05%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Loans
Current: $436.6M · Tier avg: $975.5M
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
0
0th pctile
Total Assets
Current: $501.5M · Tier avg: $1.4B
0
0th pctile
Total Deposits
Current: $327.8M · Tier avg: $1.2B
Top Weaknesses
0
0th pctile
Total Deposits
Current: $327.8M · Tier avg: $1.2B
0
0th pctile
Total Assets
Current: $501.5M · Tier avg: $1.4B
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
20
20th pctile
Total Loans
Current: $436.6M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.39% · Tier avg: 21.05%
67
67th pctile
Efficiency Ratio
Current: 57.11% · Tier avg: 62.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
99
99th pctile
Loan-to-Deposit Ratio
Current: 133.22% · Tier avg: 83.06%