# CORNERSTONE BANK
CLARINDA, IA · FDIC certificate 30067 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $42.0M | |
| Deposits | $34.6M | |
| Loans and leases | $26.6M | |
| Total equity | $6.6M | |
| Loans / deposits | 75.77% (p54 of band) | 73.59% |
| Liquid assets / assets | 31.53% (p48 of band) | |
| Uninsured deposits / deposits | 8.47% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.19% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -0.63% (p81 of band) | -6.57% |
| AOCI / equity | 0.18% (p91 of band) | |
| ROA (annualized) | 0.68% (p24 of band) | 1.17% |
| Net interest margin | 4.10% (p59 of band) | 3.93% |
| Efficiency ratio | 72.35% (p65 of band) | |
| Noncurrent loans | 0.47% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.15% (p90 of band) | |
| Reserve coverage of noncurrent | 344.80% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 13.92% (p45 of band) | |
| Auto loans | $1.5M (5.54% of loans; DQ 0.47%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.1% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 1 |  | losing money |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | deposits shrinking |  |
| 2013-03 | 3 | charge-offs p90, assets shrinking | reserve under noncurrent |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | losing money, expense ratio p90 |  |
| 2014-12 | 1 |  | losing money, expense ratio p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 2 | charge-offs p90 |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 1 |  | expense ratio p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, expense ratio p90 |  |
| 2017-06 | 2 |  | losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | losing money, charge-offs p90 |  |
| 2018-06 | 5 | capital falling |  |
| 2018-09 | 3 |  | expense ratio p90, capital falling |
| 2018-12 | 4 | noncurrent p90 |  |
| 2019-03 | 3 | expense ratio p90 | charge-offs p90, noncurrent p90 |
| 2019-06 | 4 | capital falling |  |
| 2019-09 | 3 |  | reserve under noncurrent |
| 2019-12 | 4 | reserve under noncurrent |  |
| 2020-03 | 3 |  | losing money |
| 2020-06 | 2 |  | capital falling |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 3 | capital falling, noncurrent p90 |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 1 |  | noncurrent p90 |
| 2022-03 | 2 | noncurrent p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | noncurrent p90 |
| 2022-12 | 2 | noncurrent p90 |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 0 |  | charge-offs p90 |
| 2024-03 | 6 | capital falling, losing money, expense ratio p90, NIM <2.5%, charge-offs p90, reserve under noncurrent |  |
| 2024-06 | 7 | noncurrent p90, uninsured deposits leaving | capital falling |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 | assets shrinking | expense ratio p90, NIM <2.5% |
| 2025-03 | 5 | deposits shrinking | losing money, noncurrent p90 |
| 2025-06 | 0 |  | charge-offs p90, reserve under noncurrent, uninsured deposits leaving, assets shrinking, deposits shrinking |
| 2025-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |

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

- 2026-02-05 [York County Sheriff’s Office investigates overnight bank break-in in Bradshaw - KSNB](https://news.google.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?oc=5) · KSNB
- 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
- 2018-08-02 [Wanted bank robber taken into custody - 1011now.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTzNUMWl4clpHLUlBOWFmcURMN205ekgxSThwNlZSbDdSbmRCVGRta0ZMek5DbGhDNXFqc296NmpnQ19KbkhiMklVREk4YVVRLTNoYUJtSzFxeVozYm04WUlDNzFJZW9OYVBFRUhZZTdvX3dEYWlzc3dVdnBKS3ZKU1F5VG1Bb1VIQ0VqMnNBMC1OUmfSAacBQVVfeXFMTVFweGQtSVdlcUcxTzVsZGxVellKMVl0R0RwaDQ2bnJYRVJmWS1mZFNzZnlqT3otekJwWl80ajNRQXpXOXdLaVk3X2VVREJZVW1xazc1eDltM3kxUERydTI1cW84cUdETkc5UzZuMGl5aXZNT0h6R05md09kd1NxS3BQTWYyU2VCNEp2cXB0bEpUc3k2a2JjcnJVMXNWalg4cHZuMURMVWM?oc=5) · 1011now.com
- 2026-04-01 [FBI investigating Nebraska bank robbery that left 1 person injured - Lincoln Journal Star](https://news.google.com/rss/articles/CBMingFBVV95cUxOc21WQzRnam5QR0NQVlVEYlp1TnU4dGplVVphQW9jb3VEZUM5aGNlUTVlSXQ4c0FkOGpJb3B5eERqcUdKSUlnQzZUZ043MUpFY3hwMEZGNWpwZzVPRnJpVTRDQkROR0xqYVNvMFItbXpWemJKV0xLbDdsdk9HX0lFWDdubXEyV1JiVzNrQXE0R1pucWNnM1NXcGhaWno2Zw?oc=5) · Lincoln Journal Star
- 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
- 2025-02-03 [PeoplesBank merges with Worcester’s Cornerstone - MassLive](https://news.google.com/rss/articles/CBMinAFBVV95cUxNQTlzdHdta0Q2bk9TQmNsVWJLbS1hcHpNSHE3UkFYUzdHT3pCV2I2Y0RranJleWRVYk9jMGdoeDZWT01JOFF0Y29tSkM0TjR6WjAyc29SZlhHY1FpaUtuS3JWdTc3MlNzTmdRVmlnZnJjSXV6WWZWQ0I2aklsX0dQaFFUTGc4Y2UzYm4tZWt6cE1nbEJEZHMtbWZqQnY?oc=5) · MassLive
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30067 (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/51.json (key "30067", 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