Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #57061 · Palatine, Illinois · Est. 2000
Cornerstone National Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Cornerstone National Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.0B
- Total assets
- A
- Health grade · Excellent
- 1.15%
- Return on assets
- 12.0%
- Tier 1 capital
Data updated July 2026
The verdict
Cornerstone National Bank & Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.04% Tier 1, profitable at 1.15% ROA, 63% efficiency ratio.
- #1,016
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 12.04%
- Tier 1 ratio - above the 10% well-capitalized line
- 54th
- 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 National Bank & Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Cornerstone National Bank & Trust Company's composite health score
Tier 1 Capital Ratio (12.04%) 35/40
Return on Assets (ROA) (1.15%) 20/25
Texas Ratio (0.38%) 20/20
Efficiency Ratio (63.14%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$925M
Customer-funded liabilities
Net Loans
$742M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Cornerstone National Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Cornerstone National Bank & Trust Company's score of 83/100 falls in the highlighted band.
Cornerstone National Bank & Trust Company'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 National Bank & Trust Company's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.04%
Texas Ratio
0.38%
Equity Capital
$101M
Profitability metrics
Return on Assets (ROA)
54th percentile nationally
1.15%
Return on Equity (ROE)
11.56%
Efficiency Ratio
63.14%
What the numbers say about Cornerstone National Bank & Trust Company
Cornerstone National Bank & Trust Company is an FDIC-insured institution (Certificate #57061) headquartered in Palatine, Illinois, established in 2000. It holds $1.0B in total assets - 1,016th of 4,313 FDIC-insured banks, $925M in customer deposits, and $742M in net loans. Looking at capital strength, Tier 1 stands at 12.04%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.38%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), 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 Illinois, Cornerstone National Bank & Trust Company ranks 53rd of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$54M
Interest Income
$6M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Cornerstone National Bank & Trust Company reports a Texas Ratio of 0.38% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.38% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Cornerstone National Bank & Trust Company (FDIC Cert #57061) - 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 Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Cornerstone National Bank & Trust Company's health grade?▼
Cornerstone National Bank & Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Cornerstone National Bank & Trust Company?▼
Cornerstone National Bank & Trust Company holds $1.0B in total assets and $925M in deposits, ranking 1,016th of 4,313 FDIC-insured banks by asset size. It is headquartered in Palatine, Illinois.
Is my money safe at Cornerstone National Bank & Trust Company?▼
Yes, deposits at Cornerstone National Bank & Trust Company (Certificate #57061) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Cornerstone National Bank & Trust Company's Tier 1 Capital Ratio?▼
Cornerstone National Bank & Trust Company has a Tier 1 Capital Ratio of 12.04%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Cornerstone National Bank & Trust Company?▼
Cornerstone National Bank & Trust Company has a Texas Ratio of 0.38%. 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 National Bank & Trust Company?▼
Cornerstone National Bank & Trust Company has an Efficiency Ratio of 63.14%. 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 National Bank & Trust Company's profile as a depositor or analyst.
- Cornerstone National Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Cornerstone National Bank & Trust Company against other Illinois banks before moving funds. Illinois 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.