Cornerstone Community Bank: how it compares with its peers
Against 13 KY banks with half to twice its assets, Cornerstone Community Bank's strongest measure in Q2 2026 is assets per employee ($4.4M vs. a $5.0M peer median). Its weakest relative measure is net interest margin (0.24% vs. 4.12%).
| Measure | Cornerstone Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.34% | 0.73% | Bottom third Ahead of 8% of peers |
| Net interest margin Annualized net interest income over earning assets. | 0.24% | 4.12% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 171.43% | 75.45% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.4M | $5.0M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 14.31% | 86.94% | Context |
What it means for lending operations
Its efficiency ratio of 171.43% is above the 75.45% 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
- Carrollton Federal Bank Carrollton, KY · $44M
- Citizens Federal Savings and Loan Association Covington, KY · $42M
- First Federal Savings and Loan Association Morehead, KY · $41M
- Pinnacle Bank, Inc. Pikeville, KY · $58M
- Blue Grass Federal Savings and Loan Association Paris, KY · $59M
- Home Savings Bank, FSB Ludlow, KY · $26M
Questions about Cornerstone Community Bank
How big is Cornerstone Community Bank?
Cornerstone Community Bank, established in 2026, is headquartered in Owensboro, KY. It reported $44M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Cornerstone Community Bank's return on assets?
-0.34% annualized in Q2 2026, against a 0.73% median for 13 KY banks with half to twice its assets, ahead of 8% of them.
What is Cornerstone Community Bank's efficiency ratio?
171.43% in Q2 2026: it spent about 171 cents in noninterest expense for each dollar of revenue. The peer median is 75.45%, and lower is better.
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 KY 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 Kentucky bank ranked.