Cornerstone Bank: how it compares with its peers
Against 59 KS banks with half to twice its assets, Cornerstone Bank's strongest measure in Q2 2026 is assets per employee ($15.8M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.32% vs. 4.06%).
| Measure | Cornerstone Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.53% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 4.06% | Bottom third Ahead of 8% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.03% | 58.57% | Top third Ahead of 68% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $15.8M | $6.6M | Top third Ahead of 97% of peers |
| Loans to deposits Net loans and leases over total deposits. | 144.66% | 76.92% | Context |
What it means for lending operations
Its efficiency ratio of 52.03% is better than the 58.57% 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
- Southwest National Bank Wichita, KS · $502M
- Bank of Commerce Chanute, KS · $497M
- Great American Bank Lawrence, KS · $513M
- First State Bank and Trust Tonganoxie, KS · $515M
- The First State Bank Norton, KS · $493M
- The Peoples Bank Pratt, KS · $531M
Questions about Cornerstone Bank
How big is Cornerstone Bank?
Cornerstone Bank, established in 2001, is headquartered in Overland Park, KS. It reported $505M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Cornerstone Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.53% median for 59 KS banks with half to twice its assets, ahead of 44% of them.
What is Cornerstone Bank's efficiency ratio?
52.03% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is Cornerstone Bank growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits shrank 8.6%.
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 KS 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 Kansas bank ranked.