FDIC Cert #30067 · Clarinda, Iowa · Est. 1897

Cornerstone Bank - FDIC Bank Health Profile

A community-scale look at Cornerstone Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$45M
Total assets
B
Health grade · Good
0.77%
Return on assets
31.2%
Tier 1 capital

Data updated July 2026

The verdict

Cornerstone Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 31.15% Tier 1, 0.77% ROA, 77% efficiency ratio.

#4,156
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
31.15%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30067 · IA B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2281/4307
  • PHOTO-FINISH Monroe Savings Bank · NJ
  • TIER1-WELL 31.2% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: Monroe Savings Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Cornerstone Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Carrollton Federal B… · KY ·…78/100Catalyst Bank · LA · near78/100Cornerstone Bank · IA · this…78/100First Federal Saving… · NC ·…78/100Monroe Savings Bank · NJ · n…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Cornerstone Bank · July 2026

What Cornerstone Bank's Call Report plate shows

Cornerstone Bank (FDIC Cert #30067) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,281 of 4,307. Tier 1 capital prints at 31.15%, clearing the 10% well-capitalized line. The Texas Ratio is 1.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $45M, 4,156th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Monroe Savings Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Cornerstone Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Cornerstone Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Cornerstone Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Cornerstone Bank's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Cornerstone Bank's composite health score
Tier 1 Capital Ratio (31.15%) 40/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (1.94%) 20/20
Efficiency Ratio (76.95%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$45M

Total balance-sheet footings

Total Deposits

$37M

Customer-funded liabilities

Net Loans

$27M

Outstanding loan book

Net Income

$354K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% 30% 35% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 29.75% 31.15% 32.55%
Basel III capital ratios - Cornerstone Bank

Where Cornerstone Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cornerstone Bank's score of 78/100 falls in the highlighted band.

Cornerstone Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Cornerstone Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Cornerstone Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Cornerstone Bank's $45M falls in the highlighted band.

Safety ratios for Cornerstone Bank

Tier 1 capital ratio
Well-capitalized 10%

31.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
31.15%
Texas Ratio
1.94%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Cornerstone Bank

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
5.70%
Efficiency Ratio
76.95%

What these mean →

Income & expense at Cornerstone Bank

$2M
Interest Income
$128K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Cornerstone Bank reports a Texas Ratio of 1.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Cornerstone Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($45M here), outside Iowa so the neighborhood is not state containment.

Community Bank of Easton $45M · IL Welcome State Bank $44M · MN Robert Lee State Bank $44M · TX Richland State Bank $44M · SD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cornerstone Bank (FDIC Cert #30067) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Cornerstone Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%