TellerScore

Headquartered in York, Nebraska, Cornerstone Bank is a state-chartered bank (fed member) with $2.7B in total assets and $2.3B in deposits as of Q2 2026. It operates 50 offices. Its charter dates back to 1882.

Based on its Q2 2026 filing, Cornerstone Bank scores 56/100, which we describe as moderate. That is higher than only 15% of 897 banks with $1 billion – $10 billion. Among 139 banks headquartered in Nebraska, it ranks 123rd. Its strongest component is problem-loan coverage (76/100; 11.8%), and its lowest is loan quality (48/100; 1.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.88%
Loan quality48/100
Noncurrent loans ÷ total loans: 1.55%
Earnings70/100
Return on assets (annualized): 1.24%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 89.4% · 34.0% uninsured
Problem-loan coverage76/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.82%

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

From Q2 2025 to Q2 2026, the score fell 3 points (59 → 56), mostly because the loan quality component weakened by 27 points.

TellerScore
546066Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202463
Q1 202563
Q2 202559
Q3 202554
Q4 202566
Q1 202665
Q2 202656
Tier 1 leverage ratio
5.00%7.44%9.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.45%
Q3 20248.41%
Q4 20248.46%
Q1 20258.61%
Q2 20258.85%
Q3 20259.05%
Q4 20259.39%
Q1 20269.72%
Q2 20269.88%
Noncurrent loans
0.35%0.95%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.44%
Q4 20240.37%
Q1 20250.35%
Q2 20250.75%
Q3 20251.44%
Q4 20250.46%
Q1 20260.61%
Q2 20261.55%
Return on assets
0.97%1.11%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.01%
Q4 20241.00%
Q1 20250.97%
Q2 20251.06%
Q3 20251.09%
Q4 20251.11%
Q1 20261.14%
Q2 20261.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$2.7B9.88%1.55%1.24%89.4%
Q1 202665$2.6B9.72%0.61%1.14%83.4%
Q4 202566$2.8B9.39%0.46%1.11%84.8%
Q3 202554$2.8B9.05%1.44%1.09%87.8%
Q2 202559$2.8B8.85%0.75%1.06%91.1%
Q1 202563$2.8B8.61%0.35%0.97%89.0%
Q4 202463$2.8B8.46%0.37%1.00%88.2%
Q3 202462$2.8B8.41%0.44%1.01%87.7%
Q2 202462$2.8B8.45%0.41%1.06%91.2%

897 peers · $1 billion – $10 billion

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).

Capital ratio9.88%
34th
Total risk-based capital0.00%
13th
Problem loans1.55%
14th
Net charge-offs0.18%
21st
Return on assets1.24%
49th
Net interest margin3.42%
33rd
Efficiency ratio62.2%
39th
Loans to deposits89.4%
43rd
Uninsured deposits34.0%
41st
Loan-loss reserves1.15%
51st
Texas ratio11.8%
12th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Security First BankBank Lincoln, NE65 out of 100, Moderate$2.3B8.3%0.17%vs
Five Points BankBank Grand Island, NE76 out of 100, Strong$2.2B10.3%0.01%vs
Security National Bank of OmahaBank Omaha, NE62 out of 100, Moderate$1.9B10.6%1.03%vs
Exchange BankBank Kearney, NE54 out of 100, Below average$1.6B11.4%3.49%vs
Elkhorn Valley Bank & TrustBank Norfolk, NE71 out of 100, Strong$1.5B10.5%0.39%vs
West Gate BankBank Lincoln, NE72 out of 100, Strong$1.5B10.4%0.25%vs

Deposit insurance

Is my money safe at Cornerstone Bank?

Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #5496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.0% of deposits ($787.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.88%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

50 locations

Branches

Cornerstone Bank lists 45 offices in 39 cities. Most locations:

  • Columbus, NE (3)
  • Grand Island, NE (3)
  • York, NE (3)
  • Albion, NE (1)
  • Ashton, NE (1)
  • Aurora, NE (1)
  • Bartlett, NE (1)
  • Bradshaw, NE (1)
  • Central City, NE (1)
  • Clay Center, NE (1)
  • Clearwater, NE (1)
  • Creighton, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone Bank reported 199 home-loan applications under HMDA (LEI 549300MNVXT92RBYBF93): 121 originated ($53,215,000 total), 36 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Cornerstone Bank
Former names
The First National Bank of York; Cornerstone Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
5496
RSSD ID
403151
Primary regulator
FED
Holding company
First York Ban Corp
Established
April 22, 1882
Headquarters
529 N Lincoln Ave, York, NE 68467
Employees
514

Quick answers

Cornerstone Bank: common questions

Is Cornerstone Bank FDIC insured?

Yes. Cornerstone Bank is an FDIC-insured institution (FDIC certificate #5496). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cornerstone Bank's TellerScore?

56 out of 100 (Moderate), 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 #5496 in the FDIC failed bank list.

How many branches does Cornerstone Bank have?

50 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near York

InstitutionScoreAssetsCapitalProblem loansCompare
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
First State BankBank Hordville, NE77 out of 100, Strong$46.8M12.2%0.00%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs