Cornerstone Bank (FDIC #58859): Bank Stress & Real-Estate Credit Exposure
Cornerstone Bank (FDIC Cert #58859): bank stress 64/100, elevated, STABLE over 7 days.
Cornerstone Bank (#58859) lends in 3 counties across 1 state; Cornerstone Bank (#58859) reaches 13 ZIP codes: Virginia 3 counties, 13 ZIPs.
Cornerstone Bank (#58859) largest markets: Rockbridge County, VA (13 branches, 13 ZIPs) (#58859), Buena Vista County, VA (1 branch, 1 ZIPs) (#58859), Lexington County, VA (2 branches, 1 ZIPs) (#58859).
Cornerstone Bank (#58859) reports $232.8 million in total assets; Cornerstone Bank (#58859) equity $24.8 million (10.6% of Cornerstone Bank (#58859) assets); Cornerstone Bank (#58859) domestic deposits $198.6 million; Cornerstone Bank (#58859) net income $1.4 million; Cornerstone Bank (#58859) return on assets 1.20%; Cornerstone Bank (#58859) return on equity 11.36%; Cornerstone Bank (#58859) net interest income $5.0 million; Cornerstone Bank (#58859) call report June 30, 2026.
Cornerstone Bank (#58859) noncurrent real-estate loans: none reported; Cornerstone Bank (#58859) residential -0.09%; Cornerstone Bank (#58859) net charge-offs on real estate 0.85%; Cornerstone Bank (#58859) residential charge-offs 2.11%.
Cornerstone Bank (#58859) net interest margin 4.66% against an eight-quarter Cornerstone Bank (#58859) average of 3.97% (Cornerstone Bank (#58859) compression -0.69 points); Cornerstone Bank (#58859) non-residential real estate 211.0% of equity; Cornerstone Bank (#58859) rate-exposure score 40/100, Cornerstone Bank (#58859) fixed-rate trap 40/100; Cornerstone Bank (#58859) risk type credit driven; Cornerstone Bank (#58859) rate regime rates elevated, Cornerstone Bank (#58859) snapshot October 19, 2026.
Cornerstone Bank (#58859) stress score moved from 62.5 on June 22, 2026 to 64.2 on October 19, 2026; Cornerstone Bank (#58859) ranged 62.5 to 64.2 over 116 snapshots.
Cornerstone Bank (#58859) alerts: 2 counties; top Cornerstone Bank (#58859) alert scores: Lexington County, VA 42 (moderate); Buena Vista County, VA 35 (moderate).