← Back to Institutions
Cornerstone Bank
York, NE·FDIC Cert #5496·Charter: STATE·Est. 18820422.0·HC: FIRST YORK BAN CORP
Total Assets
$2.8B
Q4 2025
Return on Assets
1.11%
+0.02%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
62.94%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.11%+0.02
ROE
13.74%-0.04
Efficiency
62.94%+0.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.47%-0.99
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.76%-3.07
Charge-offs
0.22%+0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 |
| ROE | 14.7 | 14.8 | 13.9 | 13.8 | 12.8 | 13.7 | 13.8 | 13.7 |
| Efficiency | 63.0 | 62.3 | 63.5 | 64.0 | 64.8 | 63.2 | 62.8 | 62.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.4 | 0.4 | 0.4 | 0.4 | 0.8 | 1.5 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.2 | 0.1 | 0.2 |
| Loan/Deposit | 87.8 | 91.2 | 87.7 | 88.2 | 89.0 | 91.1 | 87.8 | 84.8 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.4B
Total Loans$2.1B
Total Equity$243.2M
Profitability
ROA1.11%
ROE13.74%
Efficiency Ratio62.94%
Net Income$31.1M
Risk & Asset Quality
NPL Ratio0.47%
Charge-off Rate0.22%
Loan/Deposit84.76%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans