Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

CORNERSTONE BANK

FDIC #90282 · MA · period 20260630

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Total assets1,133,434+0.13% YoY

Total deposits882,706-1.96% YoY

Net loans and leases973,931-1.67% YoY

Return on assets0.27%-37.01% YoY

Return on equity2.96%-33.78% YoY

Net interest margin3.15%+0.51% YoY

Peer position

Return on assets12thopportunity · n=902

Return on equity16thopportunity · n=894

Net interest margin35thin line · n=902

Equity to assets19thopportunity · n=894

Noncurrent loans65thin line · n=887

Liquid assets34thin line · n=895

Brokered deposits60thin line · n=890

Loans to deposits18thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2017-06-30	1,133,434	882,706	973,931	0.27	2.96	3.15
2017-09-30	1,116,445	874,360	971,899	0.36	3.87	3.15
2017-12-31	1,119,920	875,515	967,700	0.27	2.88	3.14
2018-03-31	1,135,326	898,811	989,217	0.27	2.82	3.09
2018-06-30	1,132,009	900,344	990,481	0.43	4.47	3.13
2018-09-30	1,150,715	907,174	987,494	0.43	4.43	3.10
2018-12-31	1,158,222	908,499	994,808	0.34	3.43	3.07
2019-03-31	1,154,416	914,361	1,000,794	0.33	3.33	2.96
2019-06-30	1,144,037	878,565	991,604	0.59	5.86	3.02
2019-09-30	1,149,873	889,611	990,798	0.52	5.18	3.01
2019-12-31	1,166,320	916,122	1,007,572	0.48	4.75	2.99
2020-03-31	1,197,179	932,083	1,011,743	0.25	2.48	2.99
2020-06-30	1,307,943	1,031,349	1,112,270	-0.13	-1.29	2.92
2020-09-30	1,323,911	1,069,123	1,145,116	-0.05	-0.57	2.92
2020-12-31	1,345,339	1,085,361	1,155,440	-0.11	-1.14	2.97
2021-03-31	1,389,671	1,142,578	1,154,423	0.58	6.91	3.03
2021-06-30	1,393,788	1,150,820	1,161,721	0.61	7.27	3.04
2021-09-30	1,420,945	1,172,490	1,152,749	0.58	6.85	3.02
2021-12-31	1,443,855	1,220,155	1,144,726	0.57	6.74	3.03
2022-03-31	1,468,452	1,246,933	1,148,757	0.32	3.84	2.92
2022-06-30	1,416,430	1,206,264	1,173,016	0.53	6.51	3.04
2022-09-30	1,447,775	1,209,111	1,213,862	0.52	6.39	3.12
2022-12-31	1,503,686	1,251,184	1,244,794	0.52	6.54	3.14
2023-03-31	1,516,372	1,241,862	1,250,711	0.39	5.12	2.81
2023-06-30	1,543,760	1,240,016	1,265,746	0.31	3.97	2.69
2023-09-30	1,564,478	1,256,888	1,283,380	0.28	3.62	2.61
2023-12-31	1,595,411	1,304,229	1,294,474	0.27	3.46	2.56
2024-03-31	1,599,380	1,301,761	1,311,737	0.14	1.82	2.27
2024-06-30	1,619,060	1,280,258	1,315,040	0.16	2.06	2.30
2024-09-30	1,644,101	1,287,671	1,321,256	0.02	0.20	2.27
2024-12-31	1,677,285	1,305,792	1,321,880	-0.18	-2.23	2.26
2025-03-31	1,705,834	1,349,607	1,348,168	0.38	4.26	2.33
2025-06-30	1,727,590	1,334,727	1,390,534	0.34	3.76	2.43
2025-09-30	1,766,187	1,365,249	1,421,233	0.27	3.02	2.51
2025-12-31	1,819,829	1,417,313	1,447,128	0.48	5.41	2.54
2026-03-31	2,396,023	1,949,984	1,856,697	0.77	8.34	3.58
2026-06-30	2,574,340	1,937,408	1,925,618	0.63	6.96	3.46

Structure and branch footprint

17 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2026-01-01	1	408307	447100
2017-06-10	1	627407	447100
1978-10-31	1	942100	447100

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.