Personal Banking
Bank with Confidence
In Q1 2026, Cornerstone completed its largest-ever acquisition, merging with $1.2B Peoples Bank bringing total assets to $3.8B. Despite merger costs resulting in a net loss of $2.5M, net interest margin improved for a sixth consecutive quarter. Deposits rose $1.3B with 74.7% fully insured, and liquidity covers uninsured deposits 1.4x. The loan-to-deposit ratio stands at a healthy 58%, the leverage ratio remains strong at 13.8%, and non-performing assets are 0.85% of total assets.
1st Quarter 2026 Financial Highlights
Assets
Deposits
Cash plus marketable securities is
1.4 times
the amount of uninsured deposits
The bank’s capital well exceeds the highest regulatory thresholds.
YTD Highlights
Loan Growth
$0MM
Deposit Growth
+$5.2B
Top 50
Mortgage Companies in America
Recognized as an
ICBA
Top Lender
Top 1%
of All Companies on Glassdoor
#48
Top Places to Work by USA TODAY
Offerings
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 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
Performance Indicators
- 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 $350MM
- Non-interest income as a % of assets in the top quartile of peer banks