Total Assets
$2.5B
Total balance-sheet footings
FDIC Cert #1213 · Houston, Texas · Est. 1906
Cornerstone Capital Bank, SSB - FDIC Bank Health Profile
A community-scale look at Cornerstone Capital Bank, SSB's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.5B
- Total assets
- C
- Health grade · Fair
- 0.69%
- Return on assets
- 19.3%
- Tier 1 capital
Data updated July 2026
The verdict
Cornerstone Capital Bank, SSB earns a PlainBankData health grade of C (64/100), with well-capitalized at 19.25% Tier 1, 0.69% ROA, 85% efficiency ratio.
- #507
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 19.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- 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.
How Cornerstone Capital Bank, SSB's 64/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cornerstone Capital Bank, SSB's composite health score
Tier 1 Capital Ratio (19.25%) 40/40
Return on Assets (ROA) (0.69%) 14/25
Texas Ratio (23.17%) 10/20
Efficiency Ratio (84.95%) 0/15
64 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.3B
Customer-funded liabilities
Net Loans
$1.7B
Outstanding loan book
Net Income
$16M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cornerstone Capital Bank, SSB ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cornerstone Capital Bank, SSB's score of 64/100 falls in the highlighted band.
Cornerstone Capital Bank, SSB'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 Capital Bank, SSB's $2.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.25%
Texas Ratio
23.17%
Equity Capital
$340M
Profitability metrics
Return on Assets (ROA)
24th percentile nationally
0.69%
Return on Equity (ROE)
4.81%
Efficiency Ratio
84.95%
What the numbers say about Cornerstone Capital Bank, SSB
Cornerstone Capital Bank, SSB is an FDIC-insured institution (Certificate #1213) headquartered in Houston, Texas, established in 1906. It holds $2.5B in total assets - 507th of 4,313 FDIC-insured banks, $1.3B in customer deposits, and $1.7B in net loans. On safety, its Tier 1 capital ratio of 19.25% is above the 10% well-capitalized threshold, and its Texas Ratio of 23.17% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (64/100), 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 Texas, Cornerstone Capital Bank, SSB ranks 44th of 350 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$111M
Interest Income
$298M
Non-Interest Income
$294M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cornerstone Capital Bank, SSB reports a Texas Ratio of 23.17% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
23.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Texas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cornerstone Capital Bank, SSB (FDIC Cert #1213) - 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 Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Charles Schwab Bank, SSBWestlake | $253.8B | A | 0.94% |
| Frost BankSan Antonio | $53.1B | A | 1.26% |
| Prosperity BankEl Campo | $38.5B | A | 1.44% |
| Texas Capital BankDallas | $31.3B | A | 1.10% |
| Charles Schwab Premier Bank, SSBWestlake | $27.0B | A | 1.47% |
| First Financial BankAbilene | $15.4B | A | 1.64% |
| NexBankDallas | $13.9B | A | 1.17% |
| PlainsCapital BankUniversity Park | $12.7B | B | 1.05% |
Frequently asked questions
What is Cornerstone Capital Bank, SSB's health grade?▼
Cornerstone Capital Bank, SSB receives a health grade of C (64/100) 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 Capital Bank, SSB?▼
Cornerstone Capital Bank, SSB holds $2.5B in total assets and $1.3B in deposits, ranking 507th of 4,313 FDIC-insured banks by asset size. It is headquartered in Houston, Texas.
Is my money safe at Cornerstone Capital Bank, SSB?▼
Yes, deposits at Cornerstone Capital Bank, SSB (Certificate #1213) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cornerstone Capital Bank, SSB's Tier 1 Capital Ratio?▼
Cornerstone Capital Bank, SSB has a Tier 1 Capital Ratio of 19.25%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Cornerstone Capital Bank, SSB?▼
Cornerstone Capital Bank, SSB has a Texas Ratio of 23.17%. 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 Capital Bank, SSB?▼
Cornerstone Capital Bank, SSB has an Efficiency Ratio of 84.95%. 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 Capital Bank, SSB's profile as a depositor or analyst.
- Cornerstone Capital Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cornerstone Capital Bank, SSB against other Texas banks before moving funds. Texas 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.