Cornerstone Bank (FDIC #5496): Bank Stress & Real-Estate Credit Exposure

Cornerstone Bank (FDIC Cert #5496): bank stress 69/100, elevated, STABLE over 7 days; parent FIRST YORK BAN CORP.

Cornerstone Bank (#5496) lends in 23 counties across 1 state; Cornerstone Bank (#5496) reaches 201 ZIP codes: Nebraska 23 counties, 201 ZIPs.

Cornerstone Bank (#5496) largest markets: Cass County, NE (40 branches, 20 ZIPs) (#5496), Saunders County, NE (18 branches, 18 ZIPs) (#5496), Thayer County, NE (17 branches, 17 ZIPs) (#5496), York County, NE (135 branches, 15 ZIPs) (#5496), Clay County, NE (90 branches, 15 ZIPs) (#5496), Hamilton County, NE (42 branches, 14 ZIPs) (#5496).

Cornerstone Bank (#5496) reports $2.73 billion in total assets; Cornerstone Bank (#5496) equity $249.7 million (9.1% of Cornerstone Bank (#5496) assets); Cornerstone Bank (#5496) domestic deposits $2.31 billion; Cornerstone Bank (#5496) net income $16.9 million; Cornerstone Bank (#5496) return on assets 1.24%; Cornerstone Bank (#5496) return on equity 13.70%; Cornerstone Bank (#5496) net interest income $43.7 million; Cornerstone Bank (#5496) call report June 30, 2026.

Cornerstone Bank (#5496) noncurrent real-estate loans 0.33% of its book; Cornerstone Bank (#5496) residential 0.41%; Cornerstone Bank (#5496) net charge-offs on real estate 2.74%; Cornerstone Bank (#5496) residential charge-offs 6.74%.

Cornerstone Bank (#5496) net interest margin 3.42% against an eight-quarter Cornerstone Bank (#5496) average of 3.15% (Cornerstone Bank (#5496) compression -0.27 points); Cornerstone Bank (#5496) real-estate loans 32.6% of equity; Cornerstone Bank (#5496) non-residential real estate 674.0% of equity; Cornerstone Bank (#5496) rate-exposure score 40/100, Cornerstone Bank (#5496) fixed-rate trap 40/100; Cornerstone Bank (#5496) risk type credit driven; Cornerstone Bank (#5496) rate regime rates elevated, Cornerstone Bank (#5496) snapshot October 19, 2026.

Cornerstone Bank (#5496) stress score moved from 68.9 on June 22, 2026 to 68.7 on October 19, 2026; Cornerstone Bank (#5496) ranged 68.7 to 68.9 over 116 snapshots.

Cornerstone Bank (#5496) alerts: 23 counties; top Cornerstone Bank (#5496) alert scores: York County, NE 39 (moderate); Ashton County, NE 23 (low); Bartlett County, NE 23 (low); Central City County, NE 23 (low); Creighton County, NE 23 (low).