TellerScore

Headquartered in Houston, Texas, Cornerstone Capital Bank, SSB is a si with $3.7B in total assets and $2.4B in deposits as of Q2 2026. It operates 19 offices. Its charter dates back to 1906.

Cornerstone Capital Bank, SSB has a TellerScore of 32 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 348th. Problem-loan coverage contributes the most (55/100, 22.6%); loan quality contributes the least (0/100, 3.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Tier 1 leverage ratio: 10.26%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.62%
Earnings25/100
Return on assets (annualized): 0.11%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 109.3% · 25.7% uninsured
Problem-loan coverage55/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 22.63%

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 25 points (57 → 32), mostly because the capital cushion component weakened by 39 points.

TellerScore
325067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202467
Q4 202455
Q1 202563
Q2 202557
Q3 202555
Q4 202552
Q1 202641
Q2 202632
Tier 1 leverage ratio
5.00%10.34%15.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.69%
Q3 202414.24%
Q4 202413.36%
Q1 202514.61%
Q2 202514.23%
Q3 202515.12%
Q4 202515.08%
Q1 202613.79%
Q2 202610.26%
Noncurrent loans
1.91%3.30%4.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.99%
Q3 20241.91%
Q4 20242.53%
Q1 20252.58%
Q2 20252.65%
Q3 20253.18%
Q4 20254.69%
Q1 20263.60%
Q2 20263.62%
Return on assets
-0.42%0.42%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.86%
Q4 20240.78%
Q1 20251.25%
Q2 20250.93%
Q3 20250.85%
Q4 20250.69%
Q1 2026-0.42%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202632$3.7B10.26%3.62%0.11%109.3%
Q1 202641$3.8B13.79%3.60%-0.42%95.0%
Q4 202552$2.5B15.08%4.69%0.69%131.0%
Q3 202555$2.3B15.12%3.18%0.85%109.8%
Q2 202557$2.3B14.23%2.65%0.93%104.3%
Q1 202563$2.4B14.61%2.58%1.25%88.9%
Q4 202455$2.3B13.36%2.53%0.78%100.8%
Q3 202467$2.6B14.24%1.91%0.86%81.5%
Q2 202467$2.3B15.69%1.99%0.85%93.7%

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 ratio10.26%
44th
Total risk-based capital0.00%
13th
Problem loans3.62%
2nd
Net charge-offs0.08%
35th
Return on assets0.11%
3rd
Net interest margin2.95%
14th
Efficiency ratio88.5%
2nd
Loans to deposits109.3%
5th
Uninsured deposits25.7%
68th
Loan-loss reserves0.59%
6th
Texas ratio22.6%
3rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
Lone Star National BankBank Pharr, TX72 out of 100, Strong$3.3B12.9%1.06%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs
Monet BankBank Plano, TX65 out of 100, Moderate$3.2B31.7%25.76%vs
Inwood National BankBank Dallas, TX74 out of 100, Strong$4.3B10.8%0.37%vs
Texas Bank and Trust CompanyBank Longview, TX75 out of 100, Strong$4.3B13.1%0.61%vs

Deposit insurance

Is my money safe at Cornerstone Capital Bank, SSB?

Yes. Cornerstone Capital Bank, SSB is an FDIC-insured institution (FDIC certificate #1213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.7% of deposits ($609.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.26%, 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%).

Check how much of your own balance is covered

19 locations

Branches

Cornerstone Capital Bank, SSB lists 16 offices in 14 cities. Most locations:

  • Lubbock, TX (3)
  • Bastrop, TX (1)
  • Houston, TX (1)
  • Lorenzo, TX (1)
  • Nazareth, TX (1)
  • Post, TX (1)
  • Princeton, TX (1)
  • Roscoe, TX (1)
  • Seminole, TX (1)
  • Seymour, TX (1)
  • Shallowater, TX (1)
  • Slaton, TX (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone Capital Bank, SSB reported 9,617 home-loan applications under HMDA (LEI 549300CY7WNAHKHYSJ73): 7,642 originated ($3,147,530,000 total), 174 denied, and 1,795 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, 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 Capital Bank, SSB
Former names
The Roscoe State Bank
Type
SI
FDIC certificate #
1213
RSSD ID
2891622
Primary regulator
FDIC
Holding company
Cornerstone Capital Bcorp Inc
Established
December 6, 1906
Headquarters
1177 West Loop S, Houston, TX 77027
Employees
1,571

Quick answers

Cornerstone Capital Bank, SSB: common questions

Is Cornerstone Capital Bank, SSB FDIC insured?

Yes. Cornerstone Capital Bank, SSB is an FDIC-insured institution (FDIC certificate #1213). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cornerstone Capital Bank, SSB's TellerScore?

32 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Cornerstone Capital Bank, SSB ever failed?

There is no failure record for FDIC certificate #1213 in the FDIC failed bank list.

How many branches does Cornerstone Capital Bank, SSB have?

19 offices as of the latest FDIC data.

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