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Cornerstone Bank
Clarinda, IA · FDIC Certificate #30067 · Chartered 01/0
Total assets
$42.04M
Total deposits
$34.59M
Total equity
$6.62M
Net loans
$26.21M
Branches (offices)
1
Net income (YTD)
$149.00K
Rank: #4,086 of 4,213 U.S. banks by assets · #218 of 225 in Iowa. Assets changed -11.0% and deposits -14.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 4.56% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 15.74% |
| Tier 1 leverage ratio | 15.19% |
| Uninsured deposits (share of deposits) | 8.5% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 75.8% |
| Real estate loans (share of loans) | 89.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $23.41M | 89.3% | |
| Commercial & industrial | $1.17M | 4.5% | |
| Consumer / individual | $1.82M | 6.9% | |
| Construction & development | $921.00K | 3.5% | |
| Agricultural | $246.00K | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $46.23M | $39.88M | $206.00K | $5.54M |
| Jun 2023 | $46.79M | $40.26M | $72.00K | $5.70M |
| Jun 2024 | $48.19M | $39.47M | -$128.00K | $5.85M |
| Jun 2025 | $47.24M | $40.27M | $214.00K | $6.25M |
| Jun 2026 | $42.04M | $34.59M | $149.00K | $6.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $34.59M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $34.59M.
Similar-sized banks
Country Trust Bank ($42.30M) · The Bank Of San Jacinto County, Coldspring, Texas ($41.95M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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