# CORNERSTONE BANK
YORK, NE · FDIC certificate 5496 · asset band $1-10B · latest filing 2026-06 · live

**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 | $2.73B | |
| Deposits | $2.31B | |
| Loans and leases | $2.09B | |
| Total equity | $249.7M | |
| Loans / deposits | 89.43% (p57 of band) | 87.10% |
| Liquid assets / assets | 20.83% (p48 of band) | |
| Uninsured deposits / deposits | 34.04% (p59 of band) | 30.76% |
| Brokered deposits | 6.71% | |
| Wholesale funding | 12.47% (p72 of band) | |
| FHLB advances / assets | 5.31% | |
| Tier 1 leverage | 9.88% (p34 of band) | 10.50% |
| Unrealized securities loss / equity | -14.89% (p29 of band) | -7.75% |
| AOCI / equity | -0.72% (p26 of band) | |
| ROA (annualized) | 1.24% (p49 of band) | 1.26% |
| Net interest margin | 3.42% (p33 of band) | 3.70% |
| Efficiency ratio | 62.25% (p61 of band) | |
| Noncurrent loans | 1.55% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 74.39% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 60.21% (p63 of band) | |
| Auto loans | $9.9M (0.47% of loans; DQ 0.42%, NCO 0.00%) | |
| Loans to nondepository financials | $54.6M (22% of equity) (p92 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 514 | |

## Flags firing in the latest filing

- **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 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2017-03 | 1 |  | charge-offs p90 |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 1 | wholesale funding >15% | capital falling, charge-offs p90 |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 1 |  | reserve under noncurrent |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-12 | 4 |  | securities losses >30% of equity |
| 2024-03 | 4 | securities losses >30% of equity | capital falling |
| 2024-06 | 3 |  | securities losses >30% of equity |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 | reserve under noncurrent | construction >100% equity |
| 2025-12 | 2 |  | reserve under noncurrent |
| 2026-03 | 1 | assets shrinking | brokered >10%, wholesale funding >15% |
| 2026-06 | 1 | reserve under noncurrent | assets shrinking |

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

- 2026-04-01 [Man robs Cornerstone Bank nearly two months after separate break-in, York County deputies say - KSNB](https://news.google.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?oc=5) · KSNB
- 2026-04-02 [FBI assisting York County Sheriff after robbery at Cornerstone Bank - Central Nebraska Today](https://news.google.com/rss/articles/CBMitwFBVV95cUxOcGk4bmVwaHQ2ZkdxQm5vcFV6dERHVUU4bFA3TWYwM0NXNFl6Y1VrOUVMeV9RSXpKTDNUMHpUZWhsU19fbGRvZjd2OWYzaDllWDVDaXdjdkswX25UOVpISjBrRi1IMjV1WVZSXzZNeWJsdmUxTGFKTWplMVhTVWFCY0hBSEhHZG5QWnRQUTk5Y1VGNFNleE05OGFGM01wZk1pdUpRWkNGeEdYZkEzVGlrUzdnZlhHU0k?oc=5) · Central Nebraska Today
- 2026-08-26 [Business Beat: Cornerstone Bank announces officer promotion - Lincoln Journal Star](https://news.google.com/rss/articles/CBMipAFBVV95cUxNOFZJd05Idi1xMHY4MjNmUkFFVHlNa2NLNHAwazlwTFF6aW1iU0VCY1h4TUx1RkRXakFCUVFLdFRNT0V1NWdSNGV1bVpkUFo3RktlNl8zRXZvVWxmLUpVcDBYdWNILVVYMWdGRlpGVkU5WlhGdzEteWI4c08wSG9LOEU0YW5oNkZNRjlydmdyNGxIT09tV0hsb1FlUWx2TjQ0Wmx6Tg?oc=5) · Lincoln Journal Star
- 2026-04-01 [Man robs Cornerstone Bank in Bradshaw nearly two months after separate break-in - 1011now.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQU1ZwOHB5VW1WNHQ3RGx2WEZFdmR5Zm5oNmd2bkMzTUZKcnFQeDZTeTh0NE54djgtb25xS2h6dWM1Mk55TGdfSjc3MEVGWGtXVGdFaE16NEVabTNVbk9yUHBiaVN4VVhRYmpqQ2IwNzEzbFUtWXNRNW04eURPNXExZkF2U242elR4OGZtWXdiY1cyREhlNHNlNnNhZDFLUjhKM2J2M1BBWVlkb1RDYWFsTC1BOVJuSUhDMVE?oc=5) · 1011now.com
- 2026-02-05 [Burglary investigation underway at Cornerstone Bank in Bradshaw, NE - KHGI](https://news.google.com/rss/articles/CBMingFBVV95cUxORFdXSk9fUzdWOGJIc0Y3NUl6R3NHR3ctOGRveFZaU05ub2hVMWFqMnJBSnBGU3RMZ3g1NVNZT2RzMk0wRk9lVlI5dnpMMFR2UmdORUdtc3dmWTg3RjVnX3BnbWFYUm94ZXZ2YjFYTThOSEhtREZ0WHFRZ3dGaHVRbkFwSXhMeldyUE5xOFBuVzhJV1pkOWFMVDR1MGp3dw?oc=5) · KHGI
- 2026-09-02 [Grand Island man charged with April 1 robbery of Cornerstone Bank in Bradshaw - The Grand Island Independent](https://news.google.com/rss/articles/CBMiogFBVV95cUxOYXh6M05KNzlYb2ZzbHdCT3pYZ2NKNmFuVms5NnJmZXA0MnZ2MWFmaWp5TllOblNKRVhhd01ST2FoQkd6RXpaaVBKNUlPcnAxTnNTM1VkUGN6Z3Qzak9MWmVFa2ZRMGhqSGtTSmNPWnNTT3gycm5GU3V6YVp5OFo3UDIySXdUVkF5NlNPNEdpQnhNNGhNV2MwM25QV0tYOWFqNkE?oc=5) · The Grand Island Independent
- 2026-04-17 [Cornerstone Bank Review - SmartAsset](https://news.google.com/rss/articles/CBMif0FVX3lxTE9EV2g1QUgzLTVtbXl1eTBjM1dLVUlWNUJvS2FUcml4ckNfcEVLVzg1MHA3QTdCY1d0NnI4QXV1dTdzdUV5MVdoWVdfVjZSN0RsR2d3NHNFR2RsWnRyVXNqU3lRaGxjdEZJUlExZ1dVeVI2SkkyejhRX3MyN3pqU0k?oc=5) · SmartAsset
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5496 (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/56.json (key "5496", 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