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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Lexington, VA · FDIC certificate #58859
CORNERSTONE BANK is an FDIC-insured institution based in Lexington, VA (FDIC certificate #58859). In its Q3 2026 Call Report it reported total assets of $225M, total deposits of $190M and net loans of $188M. Its primary federal regulator is FED.
Plain-language readout
CORNERSTONE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $233M in Q2 2026 and were lowest at $225M in Q3 2026.
Total deposits were highest at $199M in Q2 2026 and lowest at $190M in Q3 2026.
Over the whole period total assets fell 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $225M | $190M | $188M | 1.34% | 12.39% | 4.77% |
| Q2 2026 | $233M | $199M | $183M | 1.20% | 11.36% | 4.66% |
| Q1 2026 | $228M | $194M | $182M | 1.22% | 11.61% | 4.56% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $19.2M | $13.2M | +$6.0M | +45.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $18.2M | $20.0M | -$1.8M | -8.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $182.8M | $182.1M | +$719K | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.1M | $4.1M | -$27K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.4M | $8.2M | +$192K | +2.3% |
| Total assets | $232.8M | $227.7M | +$5.1M | +2.2% |
| Liabilities | ||||
| Total deposits | $198.6M | $194.3M | +$4.3M | +2.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.0M | $8.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.3M | +$134K | +10.2% |
| Total liabilities | $208.0M | $203.6M | +$4.4M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $5.4M | $5.4M | $0K | 0.0% |
| Surplus | $5.8M | $5.8M | $0K | 0.0% |
| Retained earnings | $13.6M | $13.0M | +$681K | +5.3% |
| Accumulated other comprehensive income | -$26K | -$9K | -$17K | -188.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.8M | $24.1M | +$664K | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.6M | $1.5M | +$88K | +5.8% |
| Adjusted nonperforming assets | $1.6M | $1.5M | +$88K | +5.8% |
| Tangible equity plus allowance | $26.8M | $26.0M | +$815K | +3.1% |
| Texas ratio (gross) | 5.97% | 5.82% | +0.15 pts | See points |
| Texas ratio (adjusted) | 5.97% | 5.82% | +0.15 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.97% | 5.82% | +0.15 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.86% | 10.69% | +0.16 pts | See points |
| Construction and land loans to total capital | 40.95% | 39.65% | +1.30 pts | See points |
| Commercial real estate to total capital | 231.95% | 243.32% | -11.37 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -2.95% | -2.98% | +0.03 pts | See points |
| Liquidity | ||||
| Core deposits | $174.9M | $166.7M | +$8.2M | +4.9% |
| Non-core funding | $31.7M | $35.6M | -$4.0M | -11.1% |
| Loans to core deposits | 105.69% | 110.39% | -4.70 pts | See points |
| Loans to deposits | 93.08% | 94.69% | -1.60 pts | See points |
| Brokered deposits share of deposits | 0.51% | 0.52% | -0.01 pts | See points |
| Pledged securities share of securities | 72.15% | 65.86% | +6.30 pts | See points |
| Loans pledged, share of loans | 47.42% | 46.20% | +1.23 pts | See points |
| Volatile liabilities | $31.7M | $35.6M | -$4.0M | -11.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $909K | +$995K | +109.5% |
| Earnings before provision, single quarter | $995K | $909K | +$86K | +9.5% |
| Provision for credit losses, year to date | $206K | $52K | +$154K | +296.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.71% | 6.62% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 3.36% | 3.29% | +0.06 pts | See points |
| Total interest income to average assets | 5.87% | 5.75% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.47% | 0.52% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.18% | 1.28% | -0.11 pts | See points |
| Cost of time deposits | 3.48% | 3.48% | -0.00 pts | See points |
| Total interest expense to average assets | 1.41% | 1.49% | -0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $225M | $190M | $188M | 1.34% | 12.39% | 4.77% |
| 2026-06-30 | $233M | $199M | $183M | 1.20% | 11.36% | 4.66% |
| 2026-03-31 | $228M | $194M | $182M | 1.22% | 11.61% | 4.56% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $187.5M | 0.06% | 74 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.