# CORNERSTONE BANK
WATONGA, OK · FDIC certificate 2318 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $253.8M | |
| Deposits | $228.1M | |
| Loans and leases | $117.9M | |
| Total equity | $22.8M | |
| Loans / deposits | 51.25% (p29 of band) | 63.26% |
| Liquid assets / assets | 49.52% (p67 of band) | |
| Uninsured deposits / deposits | 36.30% (p92 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.13% (p10 of band) | 10.61% |
| Unrealized securities loss / equity | 14.72% (p99 of band) | 0.71% |
| AOCI / equity | -3.64% (p13 of band) | |
| ROA (annualized) | 0.70% (p30 of band) | 1.03% |
| Net interest margin | 3.43% (p56 of band) | 3.29% |
| Efficiency ratio | 78.76% (p75 of band) | |
| Noncurrent loans | 0.17% (p40 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 543.59% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 99.89% (p96 of band) | |
| Auto loans | $4.0M (3.36% of loans; DQ 1.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.7% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 2 | charge-offs p90 |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | uninsured deposits leaving |
| 2020-12 | 1 | expense ratio p90 |  |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |

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

- 2024-11-06 [Cornerstone Bank Data Breach Lawsuit Investigation - ClassAction.org](https://news.google.com/rss/articles/CBMihgFBVV95cUxNcmV4bExZVXJBZllqMWl3NVNQTjlhLUxwR2VJNkdCU0UtS0psV1p0WXowSUEyemVXRnpnbDY3ZkZzdkxkc0xHb2JSUDVOWmV3SC1uXzFJZ2ZjMFVacERUX0E5a1k3eWVqVktCdElmZXJnWnhrRXpDMU95MUpxNGNwb2h1YlI0UQ?oc=5) · ClassAction.org
- 2016-03-31 [Cornerstone Bank: Serving People For 118 Years - The McDonald County Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxPTExrenR6MkZGdERaazc2QVE5WjBJQ1FWSkZibTd1S2lhS2c4XzNMYzRianZVZC1oYU44REtJRjBsN0JyQXNkLTNINWR5ejFfZnN2NzJYMjJnMC1GU0k4emJsR0hrdGRhV1lYS3hkaHh6aDhqOTh2RndlTWNkeVRId2dfRTRIRWkzX29Eag?oc=5) · The McDonald County Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-05-30 [Zac Holoch named third-generation president, CEO of Cornerstone Bank - Omaha World-Herald](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQYjY0N3dHdVNoUmJaWk9UaFpPOWtEWGsxRjRUaTZ4Y3o5ZG51djgzNy1uUHBvUkMxd0JTR21Ta3R5Nm9WQkpUdWtjWi1VRUExOTh1ZndUSWY5bUJpenVVLVZhbGR0VENhUDlkemc3ZXEtNHQ4NjY3NzBJUTFYM0JkaEdTVldrZmVoVUpYbXdOeXduSXBjSll2ekhkV29KMnhaaHpmcXBjZ1RzY01Pb3NsUlB4c3RKT3hXTS1iNUU5cG9hMVZiMVh1UU1ZWFMtd0x6NkI4Rzl1UDBWcEpuVnBnWmduQmU?oc=5) · Omaha World-Herald
- 2020-12-29 [Oklahoma high school basketball: Recap of first-round action at Cornerstone Bank Mustang Holiday Classic - The Oklahoman](https://news.google.com/rss/articles/CBMigwJBVV95cUxQWlN1UVJlSXpSa0lEY0E3RGpBRXB0cGJZZjFnOWZsdW42SGVtS3FOYWwydmsxMTJaaXVyVzhGNm1TQjQ2Uy00NmJnd1RtakppVGdHYXNtdmY3blhTOEpweERKYi1BYnZucDZuYkdwb3lJaW01WVhqQjEzMGJEQ2VvMXZDcGk5M3g3ZGxudkJHTDJPenBoMUZ2N0tFaUtObm52R1liTTJ1emQ5eDJsb3BNRFFYRERFX1VrbXNoZTQ2d2o1WVU5akFPblN6RTFrRGFSanB1X3UwakdscWt0bzZ5dXZGUFZfbFY3c1JyZHNESng3OVhKVmswaDVQWTFva0hpejZZ?oc=5) · The Oklahoman
- 2025-11-08 [Kelly Holthus still finds joy in job after 60 years at Cornerstone Bank - York News-Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxNd2tyd2ZzbFQ4UHhyY09YbWpsQ2NYVWJxTENoc2JhZW94OUJoNTNZUVU4N2U1b3BKWlpybUZqX3A5TDhwOGJRU1pMVXlBMHYxY001ZHE2TWRoQzdFRDdsYmFmX2Roa1ozMnI5Q3lzYzE5NHZsd1J5X0ZoUXQ3eFZ2UHEtRG03UW1zNTNjYkxRX0V3clBNUVJjd2lmMA?oc=5) · York News-Times
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2020-12-31 [Oklahoma high school boys basketball: Carl Albert knocks off Midwest City for Cornerstone Bank Holiday Classic title - The Oklahoman](https://news.google.com/rss/articles/CBMi_wFBVV95cUxOazJLUmdpUy11LWN3Nnoxa1VEWXZvVzFZNzhKNUVDanVDRFhWaUpvV09QSlREUUdhQ2EtcjdhSGhpNVNQcE4yRUEzVjhjWXZrNm1NcFNUNUNDRjFYemYwSFItU2hpdXpETzRxLWJGYjNFZVo4aTQ3X1JFTjNfdU5nMHBLQVFBNWQ0ang5UUlQQ3R2cEZDNy0xSTZFX201aG5ueVlhUGl6TjJwZVN4aUNSWEV0SWZqc3ZoNTRHNk05a25HUEZhLXFJczFDUHJvUlhRZzhqTVYxa1hiR1ZBUW5ZMzN3YmVzemdiajNFeVVualNaYmp3bWIwdnVvX3daT1E?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2318 (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/14.json (key "2318", 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.

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