BlastPoint's Banking Scorecard
Cornerstone Bank
Community
Specialty: Commercial
MA
FDIC cert 90282
Spencer, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Cornerstone Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 19.04% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.12% below tier
- - Efficiency Ratio 30.68% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+8.5% YoY
+3.0% QoQ
|
+$428.4M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$1.4B
+9.5% YoY
+1.8% QoQ
|
+$471.7M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.4B
+8.5% YoY
+3.8% QoQ
|
+$252.7M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
0.48%
+370.0% YoY
+78.8% QoQ
|
-0.68% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.54%
+12.7% YoY
+1.2% QoQ
|
-1.12% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
93.32%
-13.1% YoY
+0.1% QoQ
|
+30.68% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.40%
+120.7% YoY
-18.3% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
102.10%
+0.9% YoY
-1.9% QoQ
|
+19.04% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.77%
-8.4% YoY
-7.8% QoQ
|
-8.27% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.32%
+122.6% YoY
-19.3% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.44%
-8.4% YoY
+1.4% QoQ
|
+2.20% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.76%
+24.0% YoY
+23.1% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
102.10%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
93.32%
(Tier avg: 62.63%, National avg: 65.09%)
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
Loan-to-Deposit Ratio
Current: 102.10% · Tier avg: 83.06%
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
53
53th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.77% · Tier avg: 21.05%
10
10th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
2
2th pctile
Efficiency Ratio
Current: 93.32% · Tier avg: 62.63%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 93.32% · Tier avg: 62.63%
7
7th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.66%
10
10th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.16%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.77% · Tier avg: 21.05%
51
51th pctile
Tier 1 Capital Ratio
Current: 12.44% · Tier avg: 10.24%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
53
53th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
74
74th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
76
76th pctile
Total Assets
Current: $1.8B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
90
90th pctile
Loan-to-Deposit Ratio
Current: 102.10% · Tier avg: 83.06%