Cornerstone Bank


529 North Lincoln Avenue
York, NE 68467
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.65% 0.75% →
2-Year CD 0.75% 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cornerstone Bank is an FDIC insured institution located in York, NE. It was founded in 1882 and has approximately $1.97 billion in assets. Customers can open an account at one of its 42 branches.

FDIC Insured Yes
FDIC Certificate # 5496
Date Established 1882
Assets $ 1,972.04 million
Loans $ 1,358.61 million
Deposits $ 1,769.28 million
Capital $ 193.42 million

For a more detailed analysis of Cornerstone Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 28, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.65% $10,000 $14,999 Learn More
12 Mo CD
0.65% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.85% $10,000 $14,999 Learn More
30 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.05% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.70% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 28, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Cornerstone Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.092% 3.025%
0.88 points
$2,152 fees
$1,058 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Cornerstone Bank
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Climate Initiatives

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Financial Details

Cornerstone Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cornerstone Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Cornerstone Bank U.S. Bank Average
0.96% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Cornerstone Bank had $2,023,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $193,423,000 in equity and $16,395,000 in loans loss reserves. That gives it a Texas Ratio of 0.96%.

Return on Equity
Cornerstone Bank U.S. Bank Average
12.16% 11.29%

Cornerstone Bank has a Return on Equity of 12.16% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Cornerstone Bank U.S. Bank Average
9.81% 11.72%

Cornerstone Bank has a Capitalization of 9.81% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Cornerstone Bank Balance Sheet Analysis

As of June 30, 2021, Cornerstone Bank had assets of $1,972,037,000, loans of $1,358,609,000, and deposits of $1,769,279,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 165.54 million
Interest-bearing balances $ 110.43 million
Total securities $ 369.81 million
Federal funds sold and reverse repurchase $ 1.10 million
Net loans and leases $ 1,358.61 million
Loan loss allowance $ 16.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 14.63 million
All other assets $ 31.43 million
     Total Assets $ 1,778.61 million
Total deposits $ 1,769.28 million
      Interest-bearing deposits $ 1,440.88 million
      Deposits held in domestic offices $ 1,769.28 million
      % insured (estimated) 76.58%
Federal funds purchased and repurchase agreements $ 4.58 million
Trading liabilities N.A.
Other borrowed funds $ 0.20 million
Subordinated debt N.A.
All other liabilities $ 4.57 million
      Total Liabilities $ 1,778.61 million
      Shareholders’ Equity $ 193.42 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 35.65 million
Total Interest Expense $ 4.92 million
Net interest income $ 30.73 million
Provision for loan and lease losses $ 1.04 million
Total non interest income $ 8.23 million
Total non interest expense $ 26.11 million
Pre-tax Net Operating Income $ 11.82 million

Bank Loan Profile?

The top three loan types in Cornerstone Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Cornerstone Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.28
Credit Card Loans 0.00
Consumer Auto Loans 0.98
Small Business Loans 2.59
Construction and Development Loans 7.80
Commercial Real Estate 14.18
Commercial and Industrial Loans 20.13
Farm Loans 24.44

Frequently Asked Questions About Cornerstone Bank

Branches and Savings

Is Cornerstone Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5496.

Why does Cornerstone Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Cornerstone Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Cornerstone Bank a commercial bank?


Where are Cornerstone Bank locations?

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Is Cornerstone Bank open on Saturdays?

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Do Cornerstone Bank branches have notaries?

Will Cornerstone Bank notarize my document?

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Will the Cornerstone Bank branch print checks?

Do Cornerstone Bank checks expire?

Does Cornerstone Bank require US citizenship to open account?

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Does Cornerstone Bank Report to credit bureaus?

Does Cornerstone Bank Use Equifax?

What is Cornerstone Bank's ACH Routing Number?

What is Cornerstone Bank's SWIFT code?


Does Cornerstone Bank offer mortgages?

Compare mortgage rates here.

Does Cornerstone Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cornerstone Bank offer personal loans?

Compare personal loan rates here.

Does Cornerstone Bank offer student loans?

Will Cornerstone Bank cash a check?

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Does Cornerstone Bank cash savings bonds?

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Background on The Bank

Who owns Cornerstone Bank?

How long has Cornerstone Bank been around?

Can Cornerstone Bank transfer to other banks?

Does Cornerstone Bank have quick pay?

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