Bank with confidence

Following the success of our first quarter merger with Peoples Bank, Cornerstone Capital Bank has seen a strong return to
profitability, earning $5.2 million and a net interest margin improved to 3.30% for a seventh consecutive quarter of growth.
The second quarter reflected the successful integration of Peoples Bank, improved earnings, and loan growth supported by
stable deposits.

2nd quarter 2026 financial highlights

Assets

Less than 3% of assets are marketable securities.

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Deposits

More than 73% of deposits
are fully insured.

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Cash plus marketable securities is

1.0 times

the amount of uninsured deposits
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The bank’s capital well exceeds the highest regulatory thresholds.

YTD highlights

Loan growth
+$0MM
Recognized as an
ICBA
Top Lender
Top 1%
of All companies on Glassdoor
#48
Top Places to Work by USA TODAY
Top 50
Mortgage companies in America

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
Download the quarterly profile
Download the quarterly tear sheet