Cornerstone Bank is a state-chartered bank (fed member) headquartered in Clarinda, Iowa, in business for about 129 years. At the end of Q2 2026 it reported $42.0M in total assets and $34.6M in deposits, with 1 office.
Based on its Q2 2026 filing, Cornerstone Bank scores 83/100, which we describe as strong. That is higher than 73% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 47th. Its strongest component is capital cushion (100/100; 15.19%), and its lowest is earnings (47/100; 0.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 83).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 43 |
| Q3 2024 | 41 |
| Q4 2024 | 45 |
| Q1 2025 | 66 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 82 |
| Q1 2026 | 83 |
| Q2 2026 | 83 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.93% |
| Q3 2024 | 12.16% |
| Q4 2024 | 12.95% |
| Q1 2025 | 13.66% |
| Q2 2025 | 13.85% |
| Q3 2025 | 13.82% |
| Q4 2025 | 14.34% |
| Q1 2026 | 14.61% |
| Q2 2026 | 15.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.87% |
| Q3 2024 | 3.63% |
| Q4 2024 | 3.00% |
| Q1 2025 | 1.83% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.49% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.47% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.51% |
| Q3 2024 | -1.17% |
| Q4 2024 | -0.38% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.86% |
| Q4 2025 | 0.77% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $42.0M | 15.19% | 0.47% | 0.68% | 75.8% |
| Q1 2026 | 83 | $45.5M | 14.61% | 0.49% | 0.76% | 68.8% |
| Q4 2025 | 82 | $44.6M | 14.34% | 0.49% | 0.77% | 71.3% |
| Q3 2025 | 81 | $46.0M | 13.82% | 0.49% | 0.86% | 74.1% |
| Q2 2025 | 83 | $47.2M | 13.85% | 0.49% | 0.93% | 67.2% |
| Q1 2025 | 66 | $44.5M | 13.66% | 1.83% | 0.58% | 75.2% |
| Q4 2024 | 45 | $46.4M | 12.95% | 3.00% | -0.38% | 76.0% |
| Q3 2024 | 41 | $48.1M | 12.16% | 3.63% | -1.17% | 71.9% |
| Q2 2024 | 43 | $48.2M | 12.93% | 3.87% | -0.51% | 71.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Defiance State BankBank Defiance, IA | 68 out of 100, Moderate | $42.6M | 9.9% | 0.08% | vs |
| Community State BankBank Paton, IA | 89 out of 100, Very strong | $41.4M | 20.2% | 0.00% | vs |
| State Bank of SchallerBank Schaller, IA | 59 out of 100, Moderate | $40.6M | 13.3% | 3.69% | vs |
| ITS BankBank Johnston, IA | 98 out of 100, Very strong | $45.2M | 97.5% | 0.00% | vs |
| Farmers State BankBank Lake View, IA | 87 out of 100, Very strong | $36.7M | 13.1% | 0.00% | vs |
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Cornerstone Bank?
Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #30067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.5% of deposits ($2.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 36.23% (benchmark: 10%).
1 location
Branches
Cornerstone Bank lists 1 office in 1 city. Most locations:
- Clarinda, IA (1)
Identity & history
Profile
- Legal name
- Cornerstone Bank
- Former names
- Page County Federal Savings Association; Page County Savings and Loan Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 30067
- RSSD ID
- 843476
- Primary regulator
- FED
- Established
- January 1, 1897
- Headquarters
- 123 E Main St, Clarinda, IA 51632
- Website
- www.cornerstonebankia.com
- Employees
- 7
Quick answers
Cornerstone Bank: common questions
Is Cornerstone Bank FDIC insured?
Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #30067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Cornerstone Bank's TellerScore?
83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Cornerstone Bank ever failed?
There is no failure record for FDIC certificate #30067 in the FDIC failed bank list.
How many branches does Cornerstone Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clarinda
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Heritage BankBank Shenandoah, IA | 79 out of 100, Strong | $72.1M | 10.2% | 0.00% | vs |
| PCSB BankBank Clarinda, IA | 77 out of 100, Strong | $326.1M | 11.1% | 0.25% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| TS BankBank Treynor, IA | 72 out of 100, Strong | $432.7M | 10.6% | 1.41% | vs |
| Union State BankBank Greenfield, IA | 71 out of 100, Strong | $168.7M | 9.3% | 0.51% | vs |
| State Savings BankBank Bedford, IA | 70 out of 100, Strong | $207.2M | 10.0% | 0.72% | vs |