Total Assets
$2.8B
Total balance-sheet footings
FDIC Cert #5496 · York, Nebraska · Est. 1882
Cornerstone Bank - FDIC Bank Health Profile
A community-scale look at Cornerstone Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.8B
- Total assets
- B
- Health grade · Good
- 1.11%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
Cornerstone Bank earns a PlainBankData health grade of B (66/100), with 9.39% Tier 1 capital, profitable at 1.11% ROA, 63% efficiency ratio.
- #460
- largest of 4,313 FDIC banks by assets
- 89th
- percentile by asset size, nationally
- 9.39%
- Tier 1 ratio - below the 10% well-capitalized line
- 51st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Cornerstone Bank's 66/100 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 (9.39%) 18/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (3.62%) 20/20
Efficiency Ratio (62.94%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.4B
Customer-funded liabilities
Net Loans
$2.1B
Outstanding loan book
Net Income
$31M
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 66/100 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 $2.8B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.39% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.39%
Texas Ratio
3.62%
Equity Capital
$243M
Profitability metrics
Return on Assets (ROA)
51st percentile nationally
1.11%
Return on Equity (ROE)
13.74%
Efficiency Ratio
62.94%
What the numbers say about Cornerstone Bank
Cornerstone Bank is an FDIC-insured institution (Certificate #5496) headquartered in York, Nebraska, established in 1882. It holds $2.8B in total assets - 460th of 4,313 FDIC-insured banks, $2.4B in customer deposits, and $2.1B in net loans. Its capital position: a Tier 1 ratio of 9.39%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 3.62% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Cornerstone Bank sits 5th of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$153M
Interest Income
$21M
Non-Interest Income
$68M
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 3.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cornerstone Bank (FDIC Cert #5496) - 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 Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
| Exchange BankKearney | $1.6B | A | 1.83% |
Frequently asked questions
What is Cornerstone Bank's health grade?▼
Cornerstone Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Cornerstone Bank?▼
Cornerstone Bank holds $2.8B in total assets and $2.4B in deposits, ranking 460th of 4,313 FDIC-insured banks by asset size. It is headquartered in York, Nebraska.
Is my money safe at Cornerstone Bank?▼
Yes, deposits at Cornerstone Bank (Certificate #5496) 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 9.39%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Cornerstone Bank?▼
Cornerstone Bank has a Texas Ratio of 3.62%. Staying under 50% is the level analysts treat as 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 62.94%. Past the 60% mark, a bigger slice of revenue is absorbed by 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 Nebraska banks before moving funds. Nebraska 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.