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Cornerstone Bank
Lexington, VA · FDIC Certificate #58859 · Chartered 02/1
Total assets
$232.80M
Total deposits
$198.57M
Total equity
$24.79M
Net loans
$182.83M
Branches (offices)
4
Net income (YTD)
$1.37M
Rank: #2,795 of 4,213 U.S. banks by assets · #46 of 56 in Virginia. Assets changed 4.0% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.20% |
| Return on equity | 11.36% |
| Net interest margin (YTD) | 4.66% |
| Equity to assets | 10.65% |
| Tier 1 leverage ratio | 10.86% |
| Uninsured deposits (share of deposits) | 26.4% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 92.1% |
| Real estate loans (share of loans) | 87.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $160.28M | 87.7% | |
| Commercial & industrial | $12.25M | 6.7% | |
| Consumer / individual | $10.90M | 6.0% | |
| Construction & development | $10.98M | 6.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $201.86M | $182.44M | $818.00K | $19.10M |
| Jun 2023 | $208.31M | $174.53M | $752.00K | $20.64M |
| Jun 2024 | $222.25M | $186.88M | $767.00K | $22.25M |
| Jun 2025 | $223.95M | $187.55M | $933.00K | $23.30M |
| Jun 2026 | $232.80M | $198.57M | $1.37M | $24.79M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $198.57M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $198.57M.
Similar-sized banks
Farmers And Merchants State Bank, Bloomfield, Nebraska ($232.86M) · Farmers State Bank ($232.57M)
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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