# CORNERSTONE CAPITAL BANK SSB
HOUSTON, TX · FDIC certificate 1213 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.67B | |
| Deposits | $2.37B | |
| Loans and leases | $2.61B | |
| Total equity | $429.6M | |
| Loans / deposits | 109.34% (p95 of band) | 87.10% |
| Liquid assets / assets | 16.61% (p30 of band) | |
| Uninsured deposits / deposits | 25.72% (p32 of band) | 30.76% |
| Brokered deposits | 2.73% | |
| Wholesale funding | 22.06% (p91 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.26% (p44 of band) | 10.50% |
| Unrealized securities loss / equity | -0.47% (p93 of band) | -7.75% |
| AOCI / equity | -0.49% (p36 of band) | |
| ROA (annualized) | 0.11% (p3 of band) | 1.26% |
| Net interest margin | 2.95% (p14 of band) | 3.70% |
| Efficiency ratio | 88.46% (p98 of band) | |
| Noncurrent loans | 3.62% (p98 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p64 of band) | |
| Reserve coverage of noncurrent | 16.27% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 48.73% (p51 of band) | |
| Auto loans | $5.3M (0.20% of loans; DQ 0.84%, NCO 0.00%) | |
| Loans to nondepository financials | $29.9M (7% of equity) (p85 of band) | |
| Deposits YoY | 59.8% | |
| Employees | 1571 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | AOCI drag >20% of equity, deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 2 |  | uninsured deposits leaving |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | deposits shrinking, assets shrinking |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 4 | losing money, expense ratio p90 |  |
| 2022-12 | 8 | loans exceed deposits, brokered >10%, wholesale funding >15%, NIM <2.5%, noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 8 |  |  |
| 2023-06 | 9 | capital falling |  |
| 2023-09 | 7 |  | loans exceed deposits, capital falling |
| 2023-12 | 8 | loans exceed deposits |  |
| 2024-03 | 6 |  | losing money, expense ratio p90 |
| 2024-06 | 5 |  | loans exceed deposits |
| 2024-09 | 5 |  |  |
| 2024-12 | 7 | loans exceed deposits, capital falling |  |
| 2025-03 | 5 |  | loans exceed deposits, capital falling |
| 2025-06 | 7 | loans exceed deposits, expense ratio p90 |  |
| 2025-09 | 9 | deposits shrinking, assets shrinking |  |
| 2025-12 | 8 |  | assets shrinking |
| 2026-03 | 7 | capital falling, losing money | brokered >10%, loans exceed deposits, deposits shrinking |
| 2026-06 | 6 | loans exceed deposits | NIM <2.5%, losing money |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-07 [Zitlow Rejoins Cornerstone Home Lending - National Mortgage Professional](https://news.google.com/rss/articles/CBMijgFBVV95cUxQV2l6cGVaZ3Z0bnFwUTdHaXdVcUoySU0yRDBFWTU1MWRBcGExTXZlWUpQaXRtWTVXR3ZjNHFZbkVWdVRnYWRYYk9nekhVTllINVEtREwyazhKLWQ4NDB5dEJVcGRUSHh5am1MeHNKREVDdVhiaFNTNWM3MXdZaXlheEhWaS11TWl5US1qMFp3?oc=5) · National Mortgage Professional
- 2023-04-03 [Cornerstone Servicing Launches Mortgage Subservicing Business to Empower Smart Homeownership - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOdTh3Tm9FcjdrbEFtenFoeHI0bFJOYzFEY1c3NWFYaWZFYm1TQmtqV3B0OFVjRG5VZlBsd1BzYzUzdWRyd3BGdmVkZGpOUm43Y3lnN1BLQ0xCck1zeVBGMkxfYkx0eGNVNFNDaFVQU3J6X1drbjVtczFyekhZNzlHNnRUdENjNHUxTnJqMzhGZ1RWUVZ1Snc5TTZCREZXVWhzSUVnamE0dHl4Tm5mNWd3Tk44eUdGc2dvSkVsNUVEWGk0cjNBOTlGdXVCOTZCQ19aajJ3amFqWC1FMGIzemZRRXN3?oc=5) · PR Newswire
- 2026-01-30 [Take a closer look at Houston's fast-growing real estate lenders - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeEF1QlJxTmdJcDljMXZyUmc0aWtHYl9DUmUzc0F3WkoxZXBGRTVZQ19FM0Qwd0NRQi01S0ZpYkRoZ2Y5MFlleEV4d2tDLVQyUFh3ZjZndUhvME5GU3dMT2NvbHFqYlAxLTZxRVJWdkRWY1pqREswOHpxWXVQTWhPMVJxT2pqZnBnR3RmOXFNNGtPODR6V21LOU54RGYyRkhnOUE?oc=5) · The Business Journals
- 2023-09-07 [UPDATE: Former High-Ranking Latino Executive at Cornerstone - GlobeNewswire](https://news.google.com/rss/articles/CBMi1AJBVV95cUxOMjNwZ0RWYnNodzZURmFZNnFkRjQtUTF5cVVKUm1CeDJLblNlWV80Sjl5N1V3VGZWUms0MERKUVhYanBVVGpqVllIWVl3aVNYN0ttaFhjanhwaUhEQVZSN25fcjNHQXdfcnZmeTlHSC1WSm5wVUlZTGdCaXhzcDI0S3NPZnBzOGtfZ25BVk1nd2R0QXVXaV9HdjcxTzFBVlY0d09PN3lBb1lUVGFpZE43Uy00dy1jTFlZNE9MeVlUdlM4SzZFOEQ1M1ZnUWJhVUtnaFpGb2lqU2hpek1JSVIzVDlEWVYyeHp2c3p0OFVQMFo1Sk55TEpmcGZQUEtQVkdxM1Axei1BR0NNREppc0VUN1A1b1VIQ3Q5MVo0MEotYVBtcHhJdW0tTUpfNllxaFdVaV9ZU2JQb3lqMG5CSDhMbGFYck5Cb2lzWTB3ME1VaFJVSjJi?oc=5) · GlobeNewswire
- 2023-04-03 [Cornerstone Launches Mortgage Subservicing Business - National Mortgage Professional](https://news.google.com/rss/articles/CBMingFBVV95cUxON2dhX3JqNkpicENxSXItZ0lCNmRrem91YjdvWWgtWDNVamRfNEVfUUxDRGdHWTl1WWpGOTdPT2xETUdfUlJDNGFOdWNJbWtneG11bzk3N0l3Y19BUFFJaGZYbmtUZXJjMDdCSVdGa1U5LWZNenhsdUJ6UjBoTDBxRUJXZHhsN1ZxN2VZN0h1ajZleGk0WkwwdEpfLURtQQ?oc=5) · National Mortgage Professional
- 2023-01-04 [Cornerstone Home Lending LOs no longer need to be licensed - National Mortgage News](https://news.google.com/rss/articles/CBMiogFBVV95cUxQaVVIb1NPeHRhY0hRVk5iWUYtN3dLRGRVWUJOZHRJODZnVWczOEdIOW5jWE9pdjV0MXowX1l4N25PWkZGekdMY0s3RjJwN2s0SkdGckY2Ri1LcGVCZ3g0d1hIaU01WGdkQkI4QnFhWWtWYXd0RFpCbnAxdjNMZ2NpNFBkMW9VNEZkdGp2N194cnpLTURtRi1rN21XcVhkZTJhVEE?oc=5) · National Mortgage News
- 2020-07-30 [Cornerstone Home Lending Review: Doing Mortgages Since the 1980s - The Truth About Mortgage](https://news.google.com/rss/articles/CBMiekFVX3lxTE5pZlo5ckdMc05fcE02aXhETVRaYmtHV2lpWmFGUHV3dXFFSFdLZDAxNGNqT0stc3ZUR2FCUXFVNDhlLXBFcHdLMGRXMzRPUTdFNHZhUFNMeE9RWEFGU3NvdzhRRi13dkNPUW5qZ2E4NUZRYUFGcWQ0QWtB?oc=5) · The Truth About Mortgage
- 2025-08-15 [$15K Bright Spark Grant opens doors for Bastrop county buyers - Community Impact](https://news.google.com/rss/articles/CBMihAJBVV95cUxQZkpIU1ZuR21jZDFVQU41cXMwV0JQWERZOVc3N0lyN1lxMkV5YzY2OFdJTXBOZGxaM1ZudkNiemNLY1k3TmhFMnRNSkFmS2FhLVR4WFRiRzc3WEhBZzA2VHhhaUhpQktSVlQ3S2dSVGxmSjBXWE1YRmlNSExuc1QyUmdxWWZhY0ZTdnJQSU5DeXBRRG1BNXhuX05lRXdkRHZGWFBCWTRPYWc4Q09WSEJtVTJpNGdhNGUyY19PaTE5LVBVZk4yN3o1UjdQRlhBR3ZKYmVydmpQUmhyVEpoQllWUTd4T2U3ajFRZ3UtVzhNR1RlcTc2dHBBdkJBOGlydWhlam5BWA?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1213 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "1213", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide