TellerScore

Cornerstone National Bank & Trust Company is a national bank headquartered in Palatine, Illinois, in business for about 26 years. At the end of Q2 2026 it reported $1.0B in total assets and $897.0M in deposits, with 5 offices.

Cornerstone National Bank & Trust Company has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 162nd. Problem-loan coverage contributes the most (100/100, 0.2%); funding & liquidity contributes the least (39/100, 88% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity39/100
Loans ÷ deposits and uninsured-deposit share: 87.8% · 45.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

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 (70 → 70).

TellerScore
686970Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202570
Q2 202570
Q3 202570
Q4 202569
Q1 202668
Q2 202670
Tier 1 leverage ratio
5.00%7.68%10.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.75%
Q3 20249.80%
Q4 202410.00%
Q1 202510.29%
Q2 202510.32%
Q3 202510.25%
Q4 20259.86%
Q1 202610.03%
Q2 202610.36%
Noncurrent loans
0.03%0.09%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.15%
Q3 20240.14%
Q4 20240.10%
Q1 20250.12%
Q2 20250.10%
Q3 20250.09%
Q4 20250.06%
Q1 20260.03%
Q2 20260.03%
Return on assets
0.92%1.03%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.96%
Q3 20241.02%
Q4 20241.10%
Q1 20250.92%
Q2 20251.06%
Q3 20251.12%
Q4 20251.15%
Q1 20261.01%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.0B10.36%0.03%1.15%87.8%
Q1 202668$1.0B10.03%0.03%1.01%83.5%
Q4 202569$1.0B9.86%0.06%1.15%80.2%
Q3 202570$1.0B10.25%0.09%1.12%78.4%
Q2 202570$999.7M10.32%0.10%1.06%76.0%
Q1 202570$997.8M10.29%0.12%0.92%73.0%
Q4 202470$975.0M10.00%0.10%1.10%73.7%
Q3 202469$1.0B9.80%0.14%1.02%71.7%
Q2 202468$985.5M9.75%0.15%0.96%71.6%

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 ratio10.36%
47th
Total risk-based capital13.10%
43rd
Problem loans0.03%
93rd
Net charge-offs0.00%
75th
Return on assets1.15%
42nd
Net interest margin4.03%
70th
Efficiency ratio61.6%
41st
Loans to deposits87.8%
48th
Uninsured deposits45.1%
17th
Loan-loss reserves1.24%
63rd
Texas ratio0.2%
94th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
First Southern BankBank Marion, IL49 out of 100, Below average$1.0B10.9%3.00%vs
Belmont Bank & Trust CompanyBank Chicago, IL75 out of 100, Strong$1.1B11.9%0.41%vs
The Federal Savings BankBank Chicago, IL51 out of 100, Below average$1.1B15.9%2.69%vs
American Community Bank & TrustBank Woodstock, IL64 out of 100, Moderate$1.2B10.6%1.00%vs
Bank of PontiacBank Pontiac, IL72 out of 100, Strong$1.2B10.4%0.27%vs
First Bankers Trust Company, National AssociationBank Quincy, IL57 out of 100, Moderate$1.2B10.0%1.28%vs

Deposit insurance

Is my money safe at Cornerstone National Bank & Trust Company?

Yes. Cornerstone National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #57061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.1% of deposits ($404.4M) 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 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.10% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Cornerstone National Bank & Trust Company lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Cornerstone National Bank & Trust Company reported 139 home-loan applications under HMDA (LEI 54930001LYHHRVGJ6B97): 124 originated ($69,210,000 total), 4 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.1%, 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 National Bank & Trust Company
Type
National bank
FDIC certificate #
57061
RSSD ID
2929392
Primary regulator
OCC
Holding company
Cornerstone Bcorp Inc
Established
October 16, 2000
Headquarters
1 W Northwest Hwy, Palatine, IL 60067
Employees
102

Quick answers

Cornerstone National Bank & Trust Company: common questions

Is Cornerstone National Bank & Trust Company FDIC insured?

Yes. Cornerstone National Bank & Trust Company is an FDIC-insured institution (FDIC certificate #57061). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Cornerstone National Bank & Trust Company's TellerScore?

70 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 National Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #57061 in the FDIC failed bank list.

How many branches does Cornerstone National Bank & Trust Company have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Palatine

InstitutionScoreAssetsCapitalProblem loansCompare
St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL93 out of 100, Very strong$383K15.0%0.00%vs
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
Abbott Laboratories Credit UnionCredit union Gurnee, IL89 out of 100, Very strong$1.1B14.5%0.11%vs
Earthmover Credit UnionCredit union Aurora, IL87 out of 100, Very strong$471.7M19.3%0.75%vs
Northwest Municipal Federal Credit UnionCredit union Des Plaines, IL86 out of 100, Very strong$41.4M13.7%0.09%vs
1st Equity BankBank Skokie, IL85 out of 100, Very strong$130.0M16.5%0.00%vs