# CORNERSTONE BANK
MOORESTOWN, NJ · FDIC certificate 35286 · asset band $300M-1B · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $322.7M | |
| Deposits | $290.7M | |
| Loans and leases | $277.3M | |
| Total equity | $27.5M | |
| Loans / deposits | 94.37% (p78 of band) | 81.72% |
| Liquid assets / assets | 7.45% (p1 of band) | |
| Uninsured deposits / deposits | 30.68% (p73 of band) | 24.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.43% (p1 of band) | 10.35% |
| Unrealized securities loss / equity | -6.41% (p77 of band) | -17.47% |
| AOCI / equity | -0.43% (p42 of band) | |
| ROA (annualized) | 0.02% (p5 of band) | 0.93% |
| Net interest margin | 3.59% (p62 of band) | 3.35% |
| Efficiency ratio | 100.09% (p96 of band) | |
| Noncurrent loans | 0.13% (p35 of band) | 0.28% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 798.92% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 31.86% (p34 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | leverage <7%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 5 | losing money, charge-offs p90 |  |
| 2012-03 | 4 | noncurrent p90 | capital falling, charge-offs p90 |
| 2012-06 | 7 | expense ratio p90, charge-offs p90, assets shrinking |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 12 | leverage <5%, construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 9 |  | losing money, expense ratio p90, construction >100% equity |
| 2013-06 | 8 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90, leverage <5% |
| 2013-09 | 9 | noncurrent p90 |  |
| 2013-12 | 8 |  | uninsured deposits leaving |
| 2014-03 | 7 | uninsured deposits leaving | charge-offs p90, AOCI drag >20% of equity |
| 2014-06 | 6 | expense ratio p90 | noncurrent p90, uninsured deposits leaving |
| 2014-09 | 7 | capital falling, losing money, charge-offs p90 | assets shrinking, deposits shrinking |
| 2014-12 | 6 |  | securities losses >30% of equity |
| 2015-03 | 2 |  | expense ratio p90, capital falling, losing money, charge-offs p90 |
| 2015-06 | 3 | charge-offs p90 |  |
| 2015-09 | 6 | losing money, expense ratio p90, deposits shrinking |  |
| 2015-12 | 5 | capital falling | reserve under noncurrent, deposits shrinking |
| 2016-03 | 3 |  | charge-offs p90, capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 3 |  | losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 3 |  | capital falling |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | reserve under noncurrent |
| 2019-06 | 2 |  |  |
| 2019-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2019-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2020-03 | 1 |  | leverage <7% |
| 2020-06 | 2 | leverage <7% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 1 |  | leverage <7%, capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, losing money, NIM <2.5% |  |
| 2022-06 | 2 |  | capital falling, NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2023-03 | 3 | uninsured deposits leaving | losing money, deposits shrinking, assets shrinking |
| 2023-06 | 3 | capital falling | uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 3 | losing money |  |
| 2024-06 | 3 | capital falling | losing money |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2012-12-18 [Cornerstone Bank has management shakeup - Burlington County Times](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZUNHbG9zZTBpVUpRemVoZ1c4UnFSNWh6VHB5V1ZITWlSb2pTamVpR0R5a3dmRGRFZVZDX1pZNDNUS3d0Z01sUmZjdDIxeTRvY0xnbDZNdkVfcGNTXzlxNlJ6SUVuYl93V29zVjhaczItcW9qN2pYSVFOeDgtT0ZuWXdFRnB3YjVpM2tBUzdiaEFoQndWYjVxZVh3SHcyR09VRy1hQy1LblcydnJxcXRQVUZPTUlVT2M?oc=5) · Burlington County Times
- 2013-09-11 [West Deptford Police Announce Arrest in Cornerstone Bank Robbery - Patch](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNDZVWm52bGxZUkdPSWVMUHJfZEg2RldRaDdManhuZ1h6TVNGU3ZnYVJybUwwbGJJeS1aNGsyNHNIWVg5TDFfTXAwYjFyb1VPYkwyaWIyWG1xOEFuVDYwYk1Ka2R3NXkzcmwtVUJXRFZiLUR1c3R3OTVxTTYxZ2Z3OEt4d3lrWEJNQ2ZQazN5c1Yxc3dJWkt3WThNbDhIem1rUGttZ25oT3F3dw?oc=5) · Patch
- 2023-03-28 [First Citizens Bank Acquires Silicon Valley Bank's US Business - FF News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQTzU5Wi1LNTZTTWdQd2FQR2ljd19GNEl0MnRIZGxMaFdqcDV3V2M1VTZaWkRFbFl6S19YaWZzaFpoSDNRUDJfOGE1NEdYUEpnRWxqWERZOTlGWWJGYzl5NDJqcG5jVFM1ZE5SVFloVkhtOFZLTDg5V2Uzc1dfd19mNWJ1bmRSRWlXbjVteUZB?oc=5) · FF News
- 2024-12-18 [Fulton taps ex-Republic, TD executive to lead Philadelphia region - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPdkhYa1ljWTluOEFmQ3V2OXRZd1hMMl9za0t5amt2Ukp2Z0FiVVBwNzlJbTVfUEc3QmpwNGlQcjBLaGJ4ZGw4Z3RqZzFYNktRZE9aSG5JaThZdENiTFdTcFI1ZmRKa25sQWZxSm5Na0wtMHVpZm11Q0xMSFlBX2d1N0RQd1AzYzNiOW9NRklOaUpMcjVYNjFCcmtObi1zWTI1T0JFdW5xQWpEREk?oc=5) · The Business Journals
- 2015-09-25 [South Jersey man charged in string of armed bank robberies - NJ.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQUpraHJvQnVOOVRHUE5NdkVoRHZTcUNCTGl0YjlJWkNUTU1oSi1pX0RQQVRPa1FKbk8yV3R4UkhSY1ZiU1JCb1pTX3pQVXh3WEd4WmdEdDZ1U2ZrVEFzaG4xbnpCejd1bEZtMEtzSHFFTktiMVl4Umhvby1YT0tTNFhGWUFKanR5eWEtVnhJSlZYZElpUW9SLUdjWkxhU2hfZFE?oc=5) · NJ.com
- 2014-10-03 [State of New Jersey - NJ.gov](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBhcFZUdUtjT1g5MXFBclQyUWc4Q0tfS0oxMTFTa0RsWmJwNDJUVjIybC14SjNGQkhlRDVOWW9wQ0xnSXVvRERQRnRrWFd3Tk0yNFM1S3dyVndYNmk5dEtZ?oc=5) · NJ.gov
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35286 (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/22.json (key "35286", 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