# CORNERSTONE COMMUNITY BANK
GRAFTON, WI · FDIC certificate 33137 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**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 | $235.5M | |
| Deposits | $180.5M | |
| Loans and leases | $196.8M | |
| Total equity | $43.0M | |
| Loans / deposits | 109.03% (p96 of band) | 68.34% |
| Liquid assets / assets | 3.50% (p0 of band) | |
| Uninsured deposits / deposits | 29.91% (p82 of band) | 19.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.18% (p56 of band) | |
| FHLB advances / assets | 3.18% | |
| Tier 1 leverage | 9.40% (p22 of band) | 11.20% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -21.45% |
| AOCI / equity | 0.00% (p30 of band) | |
| ROA (annualized) | 1.76% (p83 of band) | 0.98% |
| Net interest margin | 3.56% (p50 of band) | 3.56% |
| Efficiency ratio | 49.21% (p11 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 17.68% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2011-06 | 3 | reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2011-09 | 4 | liquid assets <10% |  |
| 2011-12 | 3 |  | liquid assets <10% |
| 2012-03 | 6 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2012-06 | 5 |  | loans exceed deposits |
| 2012-09 | 2 |  | wholesale funding >15%, reserve under noncurrent, charge-offs p90 |
| 2012-12 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2013-03 | 4 | wholesale funding >15% | capital falling, reserve under noncurrent |
| 2013-06 | 5 | loans exceed deposits |  |
| 2013-09 | 3 |  | charge-offs p90, loans exceed deposits |
| 2013-12 | 3 | capital falling | liquid assets <10% |
| 2014-03 | 5 | liquid assets <10%, charge-offs p90, reserve under noncurrent | capital falling |
| 2014-06 | 4 |  | wholesale funding >15% |
| 2014-09 | 4 | wholesale funding >15% | reserve under noncurrent |
| 2014-12 | 3 |  | liquid assets <10% |
| 2015-03 | 3 | liquid assets <10% | charge-offs p90 |
| 2015-06 | 4 | loans exceed deposits |  |
| 2015-09 | 4 | capital falling | loans exceed deposits |
| 2015-12 | 5 | construction >100% equity |  |
| 2016-03 | 5 | loans exceed deposits | construction >100% equity |
| 2016-06 | 4 |  | capital falling |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 5 | uninsured deposits leaving |  |
| 2017-12 | 4 |  | uninsured deposits leaving |
| 2018-03 | 5 | capital falling |  |
| 2018-06 | 4 | uninsured deposits leaving | brokered >10%, capital falling |
| 2018-09 | 3 |  | uninsured deposits leaving |
| 2018-12 | 2 |  | wholesale funding >15% |
| 2019-03 | 1 |  | liquid assets <10% |
| 2019-06 | 2 | liquid assets <10% |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 | loans exceed deposits | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | loans exceed deposits |
| 2023-03 | 3 | loans exceed deposits, liquid assets <10%, deposits shrinking |  |
| 2023-06 | 3 |  |  |

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

- 2022-07-08 [Horicon Bank acquiring Grafton-based Cornerstone Community Bank - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQcGM5VW9FMm5JbnYxSWxGemxoZ0hnc0pBNDNuemFMNV8zaTdqWE8xM2NoWVlCNm9RV1ViXzExbFJxRGNxSmFzTjhHQkxJQWpmTzIwMTdkRDhudVZmMEc1N2Q2TzIwX3c3dElVN0FZNkFMQlo4bGMtS2o2N0Y5SlFOQ3Y4MWtMZTJCVy1VZ0hn?oc=5) · BizTimes - Milwaukee Business News
- 2026-06-14 [New community bank opens in Owensboro after 17 years - Spectrum News](https://news.google.com/rss/articles/CBMikgFBVV95cUxOU016LTJ4emFyOGtORE1nc1gtU1o3RXIxWlN1OF9FTzVnSWJZYVFMU01FNGQ4b0ZFNm93cnJwRjc2NlF5bnQ2UXR4enFIdUx2M0hCeFg4YTBBeXV0MjUtN0s5TGdDOXMxdGt0N1dSZnI4QkdWX0NKT2gwZ1Z5R2tKcFZPcGNTT2FQYk85VV9HX1RzQQ?oc=5) · Spectrum News
- 2026-02-12 [Cornerstone Community Bank on track for June opening | Local News - Messenger-Inquirer](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOVUl5WFhjdEFyUm0xWTA4bFg3bHdPRGV2WUNpZldKbTZsZXVrYnVVa0dtQjZmVnVCOTJDLXl2ZmdQNjQ2OXljdTEtdFVMM1lURHNhMGw0V0NUcG1wWnB2ZWN5ZXJaMlFqQzN3eHltcmNSRnNlSWYxNXRPLTlyTEJSbGZRTVhEdllkaFpvejdJUVR1OHM2VjBTYU1RNGZkanlkc2hzQlVXN091ZjdoYTRCbkxBdXVLY2ptczBrVTVMZ3ZJT0FkWVBiX3ptcW95QWs3OVFfZUVOQWUxLTRpNmVCZDdn?oc=5) · Messenger-Inquirer
- 2022-07-16 [Horicon Bank announces merger with Cornerstone Community Bank - GMToday.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQOG4yaDI3WnlGaG9TUFE3ZVVVUWJFRFBkQmNNcVR5Qmt2aU9mMlF1eFQtOGJZUnBZa0VHdkE4ODgxSFRJNWJuTG05bmxDaXdQTVZYZ05uNUUwVjZuSXlfTEdfRmxCdEhtYUJFWkZrenRrTTVKaC1IOUVDS0VoRjkwcTZ6ZkVsbkVEOW5QdUY2bnowX2o0Slp6Mk1RQ1NZbjRlbWE1U1lmd0IwSlBEMjdnZzNPSWxhcVF6U2FQWHFrTDZIMXl1bVFNY3phZW1ueHJheVpRWTlHQ0NlNlNVM3NpOHpsQ19pN05ZMkM4?oc=5) · GMToday.com
- 2022-02-09 [Thieves chain ATM to stolen pick-up truck, drag it down road, video shows - ABC7 Chicago](https://news.google.com/rss/articles/CBMiigFBVV95cUxPVmJmSDVTU3pfVDhKM3dhdmJtR2tvdmZhZzd5djlYS09QRUFrTlV6UzF5cjAtN2VaUFdyRjF5MUhhZkgtV3A4RzNMd3VTa2N2WXpOR3ZReTJWak52U3VKRFo1RkNZTFVqUzhRYmFrOFFER0M2QzJ3Vk5FbXdwMmlRdWQtUW1jM1NEbUE?oc=5) · ABC7 Chicago
- 2026-06-08 [City's 12th bank opened Monday - Messenger-Inquirer](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOMHI2ckJUQ0FGb29fY2h2R3MtbWVROWhVWU5GUld1dWMtWll6bl9FUXpMazhvRkNiMjZJdjM1UlFhWnUxWlpUSVJxS0JRcDNCa2lUX1Q4Q1A0dUtrQzdLclJueEFKSUpPMUVzNDh4eFV1YUVmaklBTzBfelRtcFZlamNJVVJ4eUdiUTlWbkFQaWVEbDVyYUVrdjAxRG9VaEFGZGFVcWt3UHpJNTJabFdsY2NVVkdxbHFVODJLQml1OFE1TE0?oc=5) · Messenger-Inquirer
- 2023-01-24 [Cornerstone Community merger with Horicon Bank is official - GMToday.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPODFwb056eXF4bEhtQXRYUjJ2Z1JXWkd0aFV0MEpaTERyN3lrN1F4OHpORGk4NDVDTlZoTnp4cFFrcVNvTVdPT0NfZ2cxaEJrZWUwLUoxQ18yeTJCa3Y2OG9DM3JrcHFCTHlnODNrYWNXOXROVkwyTUtlWFRPMnVtT1RDS3BiZmFRWXByWTBfV3F5VEFmUjNfSnpSR0d2VUlucm5UZFQ1Y2lJTXlfTElubno1bHVBaEdwTG4wU1JjRzdIb1A0UHVQUEY0bGF0TGo0bE9LUDBLMVJLX0s4dW5WUWxaT2ZHX0JLM2c?oc=5) · GMToday.com
- 2009-04-16 [Bank robbery suspect killed in shootout with police - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9ySVExUzEwaXpRUFZFRDBRV3VDQzRLc1p1ektGZU0tTXl6cHFLZkRnVk9GWHBBQk1qa1A3NkhOcnVwUmt4SkNaVU41c25YR1FiWVhDZTg1d2VMVExYWnQyZjJpcw?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33137 (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/49.json (key "33137", 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