Who Is Cornerstone Capital Bank?

Cornerstone Capital Bank started as two separate companies–a local Texas bank and a national mortgage lender. The combined 150 years of dedication to learning what customers need when making financial decisions drove a master-minded acquisition of Roscoe Bank by Cornerstone Home Lending resulting in one of the highest capitalized de novo banks in U.S. history. We first lead the charge in making mortgage fast and digital, and now we are doing it with banking. Our clients get more banking and mortgage benefits, simpler mobile and online access plus the option of walking into a branch for one-on-one financial support. We aren’t the new kid on the block, we are the trusted, long-time neighbor.

Bank with Confidence

Financial institutions across the country depend on the strength of Cornerstone Capital Bank to meet loan growth and diversification objectives, generate meaningful returns on excess liquidity, and serve their customers’ home mortgage needs.

2nd Quarter 2024 Financial Highlights

Assets

Less than 7% of assets are marketable securities.

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Deposits

More than 85% of deposits
are fully insured.

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Cash plus marketable securities is

4.6 times

the amount of uninsured deposits

The bank’s capital well exceeds the highest regulatory thresholds.

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Performance Indicators

  • A Texas ratio less than 1%
  • Low Accumulated Other Comprehensive Income (AOCI) compared to the 100 U.S. banks of similar size
  • A diversified and stable deposit base
  • Strong sources of liquidity including multiple available and unfunded lines of credit
  • Existing regulatory capital over $339MM
  • Non-interest income as a % of assets in the top quartile of peer banks

Offerings

Our institutional professionals serve community banks, credit unions, trust companies, and investment firms across the nation with asset and liability support. We bring efficiency and positivity into every interaction and we’re here to help your institution:

  • Meet loan growth and diversification objectives with high-quality assets
  • Generate meaningful returns on excess liquidity
  • Include mortgage loans in your profile, on your terms

2024 YTD Highlights

Loan Growth
+0%
Deposit Growth
+0%
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Recognized as an
ICBA
Top Lender
Top 1%
of All Companies on Glassdoor

Our Mission

We honor God by using our talents to make a positive difference in the lives of our team members, customers, shareholders, communities, and the people who provide services to us.

Our Convictions

  • We Live and Lead with Honesty and Integrity
  • We Respect and Care for Our People
  • We Go All-Out Because We Are All-In
  • We Are Wise Stewards

Awards

2023

Houston Business Journal Family-Owned Business Award recognizing financial performance and community service (2023, large company category) | LINK

ICBA Top Lenders List Nationwide, banks > $1 billion in assets (2023) | LINK

Top Workplace - San Antonio Express-News (2023)

Top Workplace - Houston Chronicle (2023)