Headquartered in Lexington, Virginia, CornerStone Bank is a state-chartered bank (fed member) with $232.8M in total assets and $198.6M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 2009.
CornerStone Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 43rd. Problem-loan coverage contributes the most (88/100, 6.0%); funding & liquidity contributes the least (56/100, 92% loans-to-deposits, 26% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 6 points (60 → 66), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 58 |
| Q4 2025 | 61 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.36% |
| Q3 2024 | 10.11% |
| Q4 2024 | 9.99% |
| Q1 2025 | 10.29% |
| Q2 2025 | 10.49% |
| Q3 2025 | 10.64% |
| Q4 2025 | 10.39% |
| Q1 2026 | 10.69% |
| Q2 2026 | 10.86% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.55% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.13% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.87% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.71% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.73% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.95% |
| Q1 2026 | 1.22% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $232.8M | 10.86% | 0.87% | 1.20% | 92.1% |
| Q1 2026 | 67 | $227.7M | 10.69% | 0.82% | 1.22% | 93.7% |
| Q4 2025 | 61 | $224.9M | 10.39% | 1.13% | 0.95% | 91.6% |
| Q3 2025 | 58 | $226.1M | 10.64% | 1.31% | 0.88% | 94.8% |
| Q2 2025 | 60 | $224.0M | 10.49% | 1.05% | 0.84% | 94.0% |
| Q1 2025 | 59 | $222.0M | 10.29% | 1.20% | 0.78% | 92.2% |
| Q4 2024 | 58 | $223.2M | 9.99% | 1.12% | 0.73% | 91.2% |
| Q3 2024 | 58 | $224.5M | 10.11% | 1.18% | 0.71% | 89.5% |
| Q2 2024 | 65 | $222.2M | 10.36% | 0.55% | 0.71% | 90.3% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Bank of Charlotte CountyBank Phenix, VA | 87 out of 100, Very strong | $222.8M | 12.8% | 0.33% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |
| Farmers and Miners BankBank Pennington Gap, VA | 89 out of 100, Very strong | $193.2M | 13.3% | 0.32% | vs |
| Highlands Community BankBank Covington, VA | 57 out of 100, Moderate | $188.9M | 12.6% | 2.51% | vs |
| Movement BankBank Danville, VA | 74 out of 100, Strong | $165.5M | 11.1% | 0.07% | vs |
| Community Bankers' BankBank Midlothian, VA | 79 out of 100, Strong | $139.4M | 15.4% | 0.00% | vs |
Deposit insurance
Is my money safe at CornerStone Bank?
Yes. CornerStone Bank is an FDIC-insured institution (FDIC certificate #58859). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.4% of deposits ($52.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.86%, well 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%).
4 locations
Branches
CornerStone Bank lists 3 offices in 2 cities. Most locations:
- Lexington, VA (2)
- Buena Vista, VA (1)
Identity & history
Profile
- Legal name
- CornerStone Bank
- Former names
- CornerStone Bank, National Association
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58859
- RSSD ID
- 3816163
- Primary regulator
- FED
- Established
- February 17, 2009
- Headquarters
- 54 S Main St, Lexington, VA 24450
- Website
- www.cornerstonebankva.com
- Employees
- 37
Quick answers
CornerStone Bank: common questions
Is CornerStone Bank FDIC insured?
Yes. CornerStone Bank is an FDIC-insured institution (FDIC certificate #58859). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CornerStone Bank's TellerScore?
66 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 #58859 in the FDIC failed bank list.
How many branches does CornerStone Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Lexington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of BotetourtBank Buchanan, VA | 79 out of 100, Strong | $939.4M | 11.0% | 0.25% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| Carter Bank & TrustBank Martinsville, VA | 76 out of 100, Strong | $4.8B | 11.7% | 1.01% | vs |
| Beacon Credit Union, IncorporatedCredit union Lynchburg, VA | 74 out of 100, Strong | $391.6M | 11.6% | 0.24% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |
| First National BankBank Altavista, VA | 73 out of 100, Strong | $1.1B | 8.8% | 0.19% | vs |