CornerStone Bank: how it compares with its peers
Against 12 VA banks with half to twice its assets, CornerStone Bank's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 3.78% peer median). Its weakest relative measure is return on assets (1.20% vs. 0.97%).
| Measure | CornerStone Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 0.97% | Middle third Ahead of 58% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 3.78% | Top third Ahead of 92% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.38% | 68.11% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.07% | 78.48% | Context |
What it means for lending operations
Its efficiency ratio of 65.38% is better than the 68.11% 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
- The Bank of Charlotte County Phenix, VA · $223M
- Lee Bank and Trust Company Pennington Gap, VA · $257M
- Farmers and Miners Bank Pennington Gap, VA · $193M
- Highlands Community Bank Covington, VA · $189M
- Movement Bank Danville, VA · $165M
- Community Bankers' Bank Midlothian, VA · $139M
Questions about CornerStone Bank
How big is CornerStone Bank?
CornerStone Bank, established in 2009, is headquartered in Lexington, VA. It reported $233M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is CornerStone Bank's return on assets?
1.20% annualized in Q2 2026, against a 0.97% median for 12 VA banks with half to twice its assets, ahead of 58% of them.
What is CornerStone Bank's efficiency ratio?
65.38% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 68.11%, and lower is better.
Is CornerStone Bank growing its loans?
Net loans grew 3.7% over the year to Q2 2026, while deposits grew 5.9%.
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 VA 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 Virginia bank ranked.