Cornerstone Capital Bank SSB (FDIC #1213): Bank Stress & Real-Estate Credit Exposure
Cornerstone Capital Bank SSB (FDIC Cert #1213): bank stress 85/100, severe, STABLE over 7 days; parent CORNERSTONE CAPITAL BCORP INC.
Cornerstone Capital Bank SSB (#1213) lends in 11 counties across 1 state; Cornerstone Capital Bank SSB (#1213) reaches 276 ZIP codes: Texas 11 counties, 276 ZIPs.
Cornerstone Capital Bank SSB (#1213) largest markets: Harris County, TX (143 branches, 143 ZIPs) (#1213), Collin County, TX (40 branches, 40 ZIPs) (#1213), Lubbock County, TX (130 branches, 26 ZIPs) (#1213), Hill County, TX (19 branches, 19 ZIPs) (#1213), Bastrop County, TX (15 branches, 15 ZIPs) (#1213), Castro County, TX (10 branches, 10 ZIPs) (#1213).
Cornerstone Capital Bank SSB (#1213) reports $3.67 billion in total assets; Cornerstone Capital Bank SSB (#1213) equity $395.3 million (10.8% of Cornerstone Capital Bank SSB (#1213) assets); Cornerstone Capital Bank SSB (#1213) domestic deposits $2.37 billion; Cornerstone Capital Bank SSB (#1213) net income $1.9 million; Cornerstone Capital Bank SSB (#1213) return on assets 0.11%; Cornerstone Capital Bank SSB (#1213) return on equity 1.00%; Cornerstone Capital Bank SSB (#1213) net interest income $41.0 million; Cornerstone Capital Bank SSB (#1213) call report June 30, 2026.
Cornerstone Capital Bank SSB (#1213) noncurrent real-estate loans 0.08% of its book; Cornerstone Capital Bank SSB (#1213) net charge-offs on real estate 4.31%; Cornerstone Capital Bank SSB (#1213) residential charge-offs 0.08%.
Cornerstone Capital Bank SSB (#1213) net interest margin 2.95% against an eight-quarter Cornerstone Capital Bank SSB (#1213) average of 2.30% (Cornerstone Capital Bank SSB (#1213) compression -0.65 points); Cornerstone Capital Bank SSB (#1213) real-estate loans 8.2% of equity; Cornerstone Capital Bank SSB (#1213) non-residential real estate 8.4% of equity; Cornerstone Capital Bank SSB (#1213) rate-exposure score 40/100, Cornerstone Capital Bank SSB (#1213) fixed-rate trap 40/100; Cornerstone Capital Bank SSB (#1213) risk type credit driven; Cornerstone Capital Bank SSB (#1213) rate regime rates elevated, Cornerstone Capital Bank SSB (#1213) snapshot October 20, 2026.
Cornerstone Capital Bank SSB (#1213) stress score moved from 87 on June 22, 2026 to 85.4 on October 20, 2026; Cornerstone Capital Bank SSB (#1213) ranged 85.4 to 87 over 117 snapshots.
Cornerstone Capital Bank SSB (#1213) alerts: 11 counties; top Cornerstone Capital Bank SSB (#1213) alert scores: Bastrop County, TX 34 (low); Houston County, TX 29 (low); Lorenzo County, TX 24 (low); Nazareth County, TX 24 (low); Post County, TX 24 (low).