Total Assets
$1.8B
Total balance-sheet footings
FDIC Cert #90282 · Spencer, Massachusetts · Est. 1871
Cornerstone Bank - FDIC Bank Health Profile
A community-scale look at Cornerstone Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.8B
- Total assets
- C
- Health grade · Fair
- 0.48%
- Return on assets
- 12.4%
- Tier 1 capital
Data updated July 2026
The verdict
Cornerstone Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 12.44% Tier 1, 0.48% ROA, 93% efficiency ratio.
- #644
- largest of 4,313 FDIC banks by assets
- 85th
- percentile by asset size, nationally
- 12.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 15th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Cornerstone Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cornerstone Bank's composite health score
Tier 1 Capital Ratio (12.44%) 35/40
Return on Assets (ROA) (0.48%) 7/25
Texas Ratio (3.52%) 20/20
Efficiency Ratio (93.32%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.4B
Customer-funded liabilities
Net Loans
$1.4B
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
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 62/100 falls in the highlighted band.
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 $1.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.44% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.44%
Texas Ratio
3.52%
Equity Capital
$160M
Profitability metrics
Return on Assets (ROA)
15th percentile nationally
0.48%
Return on Equity (ROE)
5.41%
Efficiency Ratio
93.32%
What the numbers say about Cornerstone Bank
Cornerstone Bank is an FDIC-insured institution (Certificate #90282) headquartered in Spencer, Massachusetts, established in 1871. It holds $1.8B in total assets - 644th of 4,313 FDIC-insured banks, $1.4B in customer deposits, and $1.4B in net loans. Looking at capital strength, Tier 1 stands at 12.44%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.52%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (62/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Massachusetts, Cornerstone Bank ranks 28th of 91 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$78M
Interest Income
$14M
Non-Interest Income
$50M
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 3.52% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.52% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Massachusetts by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cornerstone Bank (FDIC Cert #90282) - 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.
Other banks in Massachusetts
All Massachusetts banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| State Street Bank and Trust CompanyBoston | $360.7B | A | 0.83% |
| Eastern BankBoston | $30.6B | B | 0.39% |
| Rockland Trust CompanyRockland | $24.9B | A | 1.03% |
| Beacon Bank and TrustBrookline | $23.2B | B | 0.63% |
| Salem Five Cents Savings BankSalem | $8.5B | A | 0.89% |
| Cambridge Savings BankCambridge | $6.9B | B | 0.97% |
| Needham BankNeedham | $6.9B | B | 0.90% |
| Middlesex Savings BankNatick | $6.2B | B | 0.54% |
Frequently asked questions
What is Cornerstone Bank's health grade?▼
Cornerstone Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Cornerstone Bank?▼
Cornerstone Bank holds $1.8B in total assets and $1.4B in deposits, ranking 644th of 4,313 FDIC-insured banks by asset size. It is headquartered in Spencer, Massachusetts.
Is my money safe at Cornerstone Bank?▼
Yes, deposits at Cornerstone Bank (Certificate #90282) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cornerstone Bank's Tier 1 Capital Ratio?▼
Cornerstone Bank has a Tier 1 Capital Ratio of 12.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Cornerstone Bank?▼
Cornerstone Bank has a Texas Ratio of 3.52%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Cornerstone Bank?▼
Cornerstone Bank has an Efficiency Ratio of 93.32%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Cornerstone Bank's profile as a depositor or analyst.
- Cornerstone Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cornerstone Bank against other Massachusetts banks before moving funds. Massachusetts banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.