Cornerstone National Bank & Trust Company: how it compares with its peers
Against 61 IL banks with half to twice its assets, Cornerstone National Bank & Trust Company's strongest measure in Q2 2026 is assets per employee ($9.9M vs. a $7.4M peer median). Its weakest relative measure is return on assets (1.15% vs. 1.13%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.13% | Middle third Ahead of 51% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.68% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 61.60% | 63.02% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.9M | $7.4M | Top third Ahead of 79% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.78% | 77.97% | Context |
What it means for lending operations
Its efficiency ratio of 61.60% is better than the 63.02% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- International Bank of Chicago Chicago, IL · $983M
- First Southern Bank Marion, IL · $1.04B
- Belmont Bank & Trust Company Chicago, IL · $1.05B
- The Federal Savings Bank Chicago, IL · $1.08B
- First National Bank of Waterloo Waterloo, IL · $929M
- Fortress Bank Peoria, IL · $897M
Questions about Cornerstone National Bank & Trust Company
How big is Cornerstone National Bank & Trust Company?
Cornerstone National Bank & Trust Company, established in 2000, is headquartered in Palatine, IL. It reported $1.01B in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Cornerstone National Bank & Trust Company's return on assets?
1.15% annualized in Q2 2026, against a 1.13% median for 61 IL banks with half to twice its assets, ahead of 51% of them.
What is Cornerstone National Bank & Trust Company's efficiency ratio?
61.60% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 63.02%, and lower is better.
Is Cornerstone National Bank & Trust Company growing its loans?
Net loans grew 16.1% over the year to Q2 2026, while deposits grew 0.6%.
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 IL 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 Illinois bank ranked.