positively
Life-Changing Careers
Our Mission
We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.
Our Story
Cornerstone Capital Bank is the result of a merger between one of the nation's premier independent residential mortgage companies, Cornerstone Home Lending, and Roscoe Bank of Roscoe, Texas. The 2022 union brought together nearly 150 years of collective operating success and created the highest initially capitalized bank in Texas history.
Cornerstone Capital Bank holds nearly $400 million in consolidated capital and more than $2.0 billion in consolidated assets. The bank currently operates in four business segments: commercial and retail banking, institutional banking, and mortgage lending and servicing.
The residential mortgage division, operating as Cornerstone Home Lending, was founded in 1988 and is based in Houston, Texas. As one of a very small number of mortgage companies nationwide that remains profitable, Cornerstone Home Lending in 2022 significantly increased its market share in 27 of the 29 markets it serves.
Why You Belong Here
We’ve carefully cultivated our work-family by bringing together the right team members who share compelling qualities. If Cornerstone Capital Bank sounds like the place for you (and if you have the qualifications, drive, and passion to match), we invite you to become part of the team!
Live and lead with honesty and integrity Respect and care for others Ready to go all-out because we are all-in Welcome diversity and embrace inclusion Desire to grow, lead, and inspireAs many of our team members can tell you, there's something special about working at Cornerstone. It really feels like HOME.
June 2021 Cornerstone Home Lending announces agreement to acquire Roscoe Bank
About Cornerstone Home Lending
Cornerstone Home Lending was established in 1988 by co-founders Marc N. Laird and Judy Belanger. What began as a small office in Houston, Texas has grown into one of the leading mortgage lenders in the country.
More than 35 years of continuous service and 500,000 satisfied families later, Cornerstone has repeatedly performed above peer levels through various economic cycles. Ours is a company built for duration and performance. By helping team members build individual legacies of service and kindness, the company’s positive impact will continue to grow.
A Happy Workplace — and it Shows
We are growers who create a fulfilling workplace that attracts, develops, and retains the highest quality talent. We support our Team Members’ professional and personal growth through training, consistent communication, empowerment, and guidance. We help our Team Members build individual legacies of service and kindness that will have a lifelong impact on millions of people.
With hard work, a caring heart for service, continuous improvement, and a passionate commitment to excellence, our Team Members collectively focus every day on achieving something extraordinary.
Best Workplaces™ In Financial Services & Insurance 2018, 2019, 2020, 2021, 2022
Best Workplaces™ for Women 2018, 2019, 2020, 2021, 2022
Best Workplaces™ for Millennials 2021, 2022
Best Workplaces™ In Texas 2019, 2021, 2022
A Top Workplace in Major Metros
Since 2010
Top Work Places™ The Denver Post
Top Work Places™ Houston Chronicle
Top Work Places™ The Oklahoman
Top Work Places™ San Antonio Express-News
Humbled to be a Glassdoor Top 10 U.S. Company for Work-Life Balance*
Why humbled? Because it’s our team members who inspire our positive and supportive culture. Based on our team members’ reviews, Glassdoor ranked Cornerstone among the best companies nationwide for work-life balance. Our team members know they’re at their best when they take care of their personal lives first. Seeing our team recognized for their commitment to themselves and their service to clients and partners makes us happy!
Top 1% of All Companies on Glassdoor
Our team members love working here! But don’t just take our word for it – here’s what they have to say.
In one word, culture! Whether you are in production or operations, entry level or senior management, the level of camaraderie and unity permeates the entire organization. I know that may sound somewhat corny or cliche, but working [at a company] where EVERYONE is treated like family goes a long way, especially in the high stress world of mortgage lending. Cornerstone prides itself on seeking and selecting only the highest caliber [of] people no matter the position, and it is evident in the efficiency and productivity everyone achieves. Without forcing it on anyone, Cornerstone causes everyone to strive to be the best version of themselves both personally and professionally which I attribute to how Senior Management sees their roles as servant leaders and not bosses.
on Glassdoor, 2022 | Mortgage Branch Manager
Having worked in a number of other industries, I can say without a doubt that Cornerstone has the very best culture and team members I have ever worked with. The hiring process is very selective to protect that culture and is coupled with an excellent regional training program and onboarding (at least in my experience with the Bomar Region). Our work is rewarding, and Cornerstone goes above and beyond to celebrate both professional and personal milestones and truly makes each team member feel valued. Simply put, it is unlike anywhere else I have ever worked before, and [I] am fortunate to feel so valued and appreciated by our local branch, regional office, and [Corporate] headquarters.
on Glassdoor, 2022 | Client Specialist
*Source: CNBC.com – The 10 best U.S. companies for work-life balance, according to Glassdoor (Oct. 20, 2022).
August 2022 Cornerstone Home Lending receives regulatory approval to complete Roscoe Bank acquisition. The merger will create Cornerstone Capital Bank, the highest initially capitalized new bank in Texas history.
About Roscoe Bank
Theodore Roosevelt was President of the United States when Roscoe Bank first opened its doors for business on December 6, 1906, in Roscoe, Texas. Roscoe Bank opened its second location 90 years later in Sweetwater, Texas. The bank’s third branch opened eight years later in Bastrop, Texas.
The expansion into Bastrop was driven by the bank’s strategic goal of diversifying assets. This strategy strengthened the Nolan County branches, resulting in an average annual growth rate of almost 9% since 2003 — a tribute to the dedication of the bank’s exceptional staff.
Roscoe Bank specializes in convenience banking, offering expanded business hours as well as same-day credit on deposits made by 6:00 PM Monday through Friday. The bank invests in the latest technology for online and mobile banking. Roscoe Bank customers can also enjoy a full suite of free services.
October 2022 Cornerstone Home Lending and Roscoe Bank complete the merger and acquisition, officially launching Cornerstone Capital Bank.
About Cornerstone Capital Bank
Cornerstone Capital Bank was created by Cornerstone Home Lending’s acquisition of and merger with Roscoe Bank, with a combined operating history dating back to 1906. It offers a variety of services including mortgage banking, mortgage loan servicing, commercial banking, and institutional banking divisions.
Its nationally recognized residential lending team, operating as Cornerstone Home Lending, has assisted families with 500,000 home-financing transactions since its inception in 1988. Cornerstone Home Lending currently originates mortgage loans in 43 states, plus the District of Columbia, and provides full-service, in-house mortgage loan servicing operations which combine a superior record of customer care and industry-leading technologies.
Our track record in business and commercial banking dates back to 1906. Whether you are working with community bankers in Bastrop or Nolan Counties, or bankers serving major metropolitan areas in Texas, we offer the strength and expertise to handle the most complex business and commercial banking needs.
Our institutional experts 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 help other institutions with mortgages, syndications and deposit solutions.
Our team is dedicated to supporting your goals for continued success. Cornerstone’s team members across the country are guided by a non-negotiable Mission, Vision, and Convictions statement. Cornerstone is known for its commitment to on-time delivery of services; its caring, passionate, and experienced team members; a comprehensive array of innovative products and services; certified Fortune Great Place to Work® status with multiple Best Workplaces™ awards; and recognition as a “Top Workplace” in multiple major markets.
2023 Houston Business Journal
Best Family Owned Business Award (Cornerstone Capital Bank)
Financial Overview
- Highly liquid with a balance sheet of nearly $2 billion with cash and cash equivalents totaling approximately $600 million
- Deposits and funding sources exceed $2 billion
- Capital is at fortress levels – approximately $400 million in capital (the highest capitalized new bank in Texas history) with access to nearly $70 million in disallowed capital through MSR investments (close to the old record in Texas for newly capitalized banks)
Our Financial Stability
In light of recent industry events, banks face many questions about the impact, if any, to operations and stability. Due to our exceptionally strong balance sheet – as to capitalization, liquidity, and quality of assets – Cornerstone Capital Bank welcomes those questions, including from those seeking to establish their careers with us.
Stress Testing Results Show Our Strength and Sophistication
We are unaware of any bank our size in the country that completed a stress test within the last 18 months on the same conditions required of the largest banks in the country. Using those tests, we would have more than double the amount of minimum capital required by our banking regulatory agencies to achieve well-capitalized status.
How We Serve Others
Residential Mortgage Banking
Our nationally recognized mortgage lending division has helped 500,000 families (and counting!) with their homefinancing needs. Through our continued expansion, our mortgage advisors can now originate home loans in 43 states and Washington, DC, as well as provide in-house loan servicing operations.
Personal Banking
From traditional branch services to digital banking, our personal banking division strives to provide exceptional customer care and create meaningful relationships with our customers and in the communities we serve.
Commercial Banking
Businesses big and small have trusted our strength and expertise in commercial lending since 1906.
Institutional Banking
More than 60 community banks, credit unions, trust companies, and investment firms across the nation seek our trusted asset and liability support.
Help Us Make Banking Better
You'll be working for an innovative community bank with commercial lending, a mortgage lending leader, and a digital deposit bank covering over 40 states.
You Matter At Cornerstone Capital Bank
We respect and care for our people. It's not just something we say, it's something we actually do. Once you're part of the Cornerstone family, we continue to invest in you as a valuable asset to our company.
- Competitive salary plus performance bonuses
- Matching 401(k)
- Full suite of health, vision, and specialty benefits
- Paid time off (PTO), including holidays, vacation, and personal days
We also offer support in times of personal hardships through our Cornerstone Cares Program.
This program is funded by voluntary donations from hundreds of caring Cornerstone team members who want to provide resources and relief to other team members experiencing unexpected events. Since its inception, Cornerstone Cares has distributed more than $1 million dollars to team members who had no other sources for assistance.