The Corner Stone Bank: how it compares with its peers
Against 95 MO banks with half to twice its assets, The Corner Stone Bank's strongest measure in Q2 2026 is net interest margin (5.60% vs. a 4.03% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $6.2M).
| Measure | The Corner Stone Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.53% | 1.34% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.60% | 4.03% | Top third Ahead of 96% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.54% | 59.95% | Middle third Ahead of 56% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 11% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.35% | 79.49% | Context |
What it means for lending operations
Its efficiency ratio of 59.54% is better than the 59.95% 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
- 1st Advantage Bank Saint Peters, MO · $212M
- Bank Northwest Hamilton, MO · $210M
- Carroll County Trust Company of Carrollton, Missouri Carrollton, MO · $208M
- The Citizens-Farmers Bank of Cole Camp Cole Camp, MO · $207M
- FCNB Bank Steelville, MO · $220M
Questions about The Corner Stone Bank
How big is The Corner Stone Bank?
The Corner Stone Bank, established in 1898, is headquartered in South West City, MO. It reported $211M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is The Corner Stone Bank's return on assets?
1.53% annualized in Q2 2026, against a 1.34% median for 95 MO banks with half to twice its assets, ahead of 59% of them.
What is The Corner Stone Bank's efficiency ratio?
59.54% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 59.95%, and lower is better.
Is The Corner Stone Bank growing its loans?
Net loans grew 14.3% 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 MO 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 Missouri bank ranked.