Cornerstone Capital Bank, SSB: how it compares with its peers
Against 40 TX banks with half to twice its assets, Cornerstone Capital Bank, SSB's strongest measure in Q2 2026 is net interest margin (2.95% vs. a 3.92% peer median). Its weakest relative measure is return on assets (0.11% vs. 1.59%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.11% | 1.59% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.95% | 3.92% | Bottom third Ahead of 15% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.46% | 55.49% | Bottom third Ahead of 3% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.3M | $9.2M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.34% | 74.67% | Context |
What it means for lending operations
Its efficiency ratio of 88.46% is above the 55.49% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Austin Bank, Texas National Association Jacksonville, TX · $3.33B
- Lone Star National Bank Pharr, TX · $3.28B
- WestStar Bank El Paso, TX · $3.28B
- Monet Bank Plano, TX · $3.16B
- Inwood National Bank Dallas, TX · $4.26B
- Texas Bank and Trust Company Longview, TX · $4.34B
Questions about Cornerstone Capital Bank, SSB
How big is Cornerstone Capital Bank, SSB?
Cornerstone Capital Bank, SSB, established in 1906, is headquartered in Houston, TX. It reported $3.67B in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Cornerstone Capital Bank, SSB's return on assets?
0.11% annualized in Q2 2026, against a 1.59% median for 40 TX banks with half to twice its assets, ahead of 0% of them.
What is Cornerstone Capital Bank, SSB's efficiency ratio?
88.46% in Q2 2026: it spent about 88 cents in noninterest expense for each dollar of revenue. The peer median is 55.49%, and lower is better.
Is Cornerstone Capital Bank, SSB growing its loans?
Net loans grew 67.4% over the year to Q2 2026, while deposits grew 59.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.