Cornerstone Community Bank


500 Riverside Way
Red Bluff, CA 96080
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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 Community Bank is an FDIC insured institution located in Red Bluff, CA. It was founded in 2006 and has approximately $0.54 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 58411
Date Established 2006
Assets $ 537.23 million
Loans $ 378.95 million
Deposits $ 486.14 million
Capital $ 42.30 million

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

Deposit Rates - September 18, 2021

Your Current Location: California, CA 92111


Loan Rates - September 18, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Cornerstone Community Bank

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

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
2.808% 2.750%
-0.25 points
$1,875 fees
$1,021 Learn More
First Internet Bank
NMLS ID: 424182
2.680% 2.625%
0.75 points
$1,788 fees
$1,005 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 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 Community Bank
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Cornerstone Community Bank Locations

Financial Details

Cornerstone Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cornerstone Community 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 Community Bank U.S. Bank Average
0% 5.29%

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 March 31, 2021, Cornerstone Community Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $42,299,000 in equity and $4,409,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Cornerstone Community Bank U.S. Bank Average
21.9% 11.43%

Cornerstone Community Bank has a Return on Equity of 21.9% versus the BestCashCow average of 11.43%. 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 Community Bank U.S. Bank Average
7.87% 11.51%

Cornerstone Community Bank has a Capitalization of 7.87% versus the BestCashCow average of 11.51. 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 Community Bank Balance Sheet Analysis

As of March 31, 2021, Cornerstone Community Bank had assets of $537,228,000, loans of $378,946,000, and deposits of $486,138,000. 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

March 31, 2021
Cash & Balances due from depository institutions $ 73.70 million
Interest-bearing balances $ 68.28 million
Total securities $ 52.08 million
Federal funds sold and reverse repurchase $ 5.76 million
Net loans and leases $ 378.95 million
Loan loss allowance $ 4.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.10 million
All other assets $ 13.87 million
     Total Assets $ 494.93 million
Total deposits $ 486.14 million
      Interest-bearing deposits $ 358.85 million
      Deposits held in domestic offices $ 486.14 million
      % insured (estimated) 49.51%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.00 million
Subordinated debt N.A.
All other liabilities $ 3.79 million
      Total Liabilities $ 494.93 million
      Shareholders’ Equity $ 42.30 million

Summary Income Statement

March 31, 2021
Total Interest Income $ 4.65 million
Total Interest Expense $ 0.28 million
Net interest income $ 4.37 million
Provision for loan and lease losses $ 0.40 million
Total non interest income $ 0.94 million
Total non interest expense $ 1.73 million
Pre-tax Net Operating Income $ 3.17 million

Bank Loan Profile?

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

Compared to other banks, Cornerstone Community 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 5.13
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 6.03
Commercial Real Estate 46.10
Commercial and Industrial Loans 37.47
Farm Loans 0.00

Frequently Asked Questions About Cornerstone Community Bank

Branches and Savings

Is Cornerstone Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58411.

Why does Cornerstone Community 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 Community Bank CD rates not competitive?

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

Is Cornerstone Community Bank a commercial bank?


Where are Cornerstone Community Bank locations?

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Is Cornerstone Community Bank open on Saturdays?

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Are Cornerstone Community Bank ATMs Open 24/7?

Do Cornerstone Community Bank ATMs accept cash deposits?

Can Cornerstone Community Bank customers use other ATMs?

Do Cornerstone Community Bank branches have notaries?

Will Cornerstone Community Bank notarize my document?

What address for Cornerstone Community Bank should I put for incoming ACH transfers?

Will the Cornerstone Community Bank branch print checks?

Do Cornerstone Community Bank checks expire?

Does Cornerstone Community Bank require US citizenship to open account?

Can Cornerstone Community Bank close my account?

Does Cornerstone Community Bank Report to credit bureaus?

Does Cornerstone Community Bank Use Equifax?

What is Cornerstone Community Bank's ACH Routing Number?

What is Cornerstone Community Bank's SWIFT code?


Does Cornerstone Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Cornerstone Community Bank offer personal loans?

Compare personal loan rates here.

Does Cornerstone Community Bank offer student loans?

Will Cornerstone Community Bank cash a check?

Will Cornerstone Community Bank redeem a savings bond?

Does Cornerstone Community Bank cash savings bonds?

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Does Cornerstone Community Bank do currency exchange?

Background on The Bank

Who owns Cornerstone Community Bank?

How long has Cornerstone Community Bank been around?

Can Cornerstone Community Bank transfer to other banks?

Does Cornerstone Community Bank have quick pay?

Does Cornerstone Community Bank accept rolled coins?

Will Cornerstone Community Bank accept loose change?

Where is Cornerstone Community Bank headquarters?

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