# CORNERSTONE COMMUNITY BANK
RED BLUFF, CA · FDIC certificate 58411 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $658.1M | |
| Deposits | $581.0M | |
| Loans and leases | $477.9M | |
| Total equity | $52.9M | |
| Loans / deposits | 81.18% (p50 of band) | 81.31% |
| Liquid assets / assets | 21.27% (p36 of band) | |
| Uninsured deposits / deposits | 53.36% (p96 of band) | 24.97% |
| Brokered deposits | 7.37% | |
| Wholesale funding | 9.65% (p72 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p22 of band) | 10.49% |
| Unrealized securities loss / equity | -24.66% (p28 of band) | -12.52% |
| AOCI / equity | 0.97% (p39 of band) | |
| ROA (annualized) | -0.38% (p2 of band) | 1.11% |
| Net interest margin | 3.48% (p42 of band) | 3.64% |
| Efficiency ratio | 128.68% (p99 of band) | |
| Noncurrent loans | 0.09% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | -0.48% (p0 of band) | |
| Reserve coverage of noncurrent | 1525.49% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 15.29% (p18 of band) | |
| Auto loans | $126,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.6M (14% of equity) (p98 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 0 |  | auto book souring |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 | capital falling | charge-offs p90 |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 2 | brokered >10% |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-09 | 2 |  | brokered >10% |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 0 |  | wholesale funding >15%, uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | wholesale funding >15%, capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 0 |  | wholesale funding >15% |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | liquid assets <10% |  |
| 2020-03 | 0 |  | liquid assets <10% |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 0 |  | wholesale funding >15%, capital falling |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 0 |  | uninsured deposits >50% |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits >50% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | run vulnerability |  |
| 2023-12 | 0 |  | securities losses >30% of equity, uninsured deposits >50%, run vulnerability |
| 2024-03 | 1 | uninsured deposits >50% |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2024-12 | 4 | run vulnerability | capital falling |
| 2025-03 | 2 |  | losing money, charge-offs p90 |
| 2025-06 | 3 | losing money, expense ratio p90 | run vulnerability |

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

- 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
- 2025-07-02 [PLUMAS BANCORP ACQUIRES CORNERSTONE COMMUNITY BANCORP - Yahoo Finance](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZjlPVjZQSWZFajdRNFNwbWpBUTI2SzAxRXlCNktJa3UtVjZLTC1jQ19JQjFuMjc4SDI2V2RHNENoQkJyZmVyb015d2RZMnVPVmxCRExnT2l2QkFzV3lTbkJ6eG56Q2luV2JBVnFta0hRRExBcHNNLXU4U09XdVlnNzZfTzRKUVdDX24zOWxlMTFMeFFQT3c?oc=5) · Yahoo Finance
- 2025-06-30 [North State banks merge to create network of 19 branches in California, Nevada: Key dates - Record Searchlight](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb0ozeERpT3NxZExNTDB6QmhQMExFUjIwcTJzRWVXZTA0TUdxMGdrcnUyNzhFQWRBUU1MdGUtamNnU3YyalNfRlJFYVlRTXRVR0Y5eVVnZk9UdGZjYW5oNHBLb19nZUFqMklZMlNIamZJM3B0ZWMwTV9RR2hrVW00YklVa1lvSzJ5UXZzSFBoUXV1WWFWYnd4a0RueUJoVnpkS2pNR3lrdzRKcl8xUUFfVEE4NU5LN3VxRU9ac192QVIxUmc?oc=5) · Record Searchlight
- 2025-12-02 [Welcoming a New Regional President Enables Local Expertise and Organic Growth - Comstock's magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxPVWNlbVRoSlNULVItbmhETzIyQ0ZPa0pELWsyM3lUZEhSUmpfWmpESFNGSmZma0VmSFdmdnRWSU5faXNiRTZra3ZpeEU0RWRLY2FfT0Y4NjE1a1hOUGFCSEszRkVjYUZiRVY2MTIzUnVGeTB3aXBQUjJRVllxWmtHNk16d21uRUJjcEljYTZTSlYyLU5BODZFb0lENGRjTVNCbXpzcHlQS2wtNV9DQkJXb1FZWHk?oc=5) · Comstock's magazine
- 2025-01-29 [Plumas Bancorp to Acquire Cornerstone Community Bancorp in $64.6 Million Merger - SierraDailyNews.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOWjNLdkhWa0hETGgyU1RuVmF5RWFKU0hkTmdzM041SUNvR1dRekMzU3hBY2x4ZFdDUGJSd25YdkhMVXlrMDYta0VtV0R2aTM4WEZlckFZeV9iYm5YcEZEb0hWZkVycThENkVONFBTRzdTVHJJX3I2QzgwV3Rlam9LdnFkTzd2eVVhMXAxTC1oTHgyVl9NendCb3ZFU3VUbHRCOWNoRk5Cd2xsVkFZdmFFb1dlRmU1UElS?oc=5) · SierraDailyNews.com
- 2025-01-29 [PLUMAS BANCORP TO ACQUIRE CORNERSTONE COMMUNITY BANCORP - GlobeNewswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxPQ2RkVExhS2pkTmcxS2RCcUlfWlFWaWs1N29zM0hlVEFpenBOTjVpM0o4elIxZFl4c3dwU3ZwY2dWZW9JbnJnM3NOcTJTNnpZT284M3doSXBLOHdLSG1XbU9WMDUwMk9LYmRhRy0wbWthbTFPQ3NZT293MkRpMmhKa00xaWlWUGhNZkVwcEtYYVBSVUJoLUJZNGRLT0s2YWlmWFE3WUpaNjJyZ0ZydkRUUUhaRHZ3REFiQTJ6THhzX0JLeDliMVpVMHI0WQ?oc=5) · GlobeNewswire
- 2024-11-06 [15th Annual RABA Salute to Veterans - Shasta County CA (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxNd2RKNDNkU0U1UUh6c2h3VnJqdnRYdVJXRGxtcUV0Y0pjbEZTWGhMZkRINHp1c3V6TWlCZldOc0lXQlZpbEZLLUdHLW5LRUt6cFRxVTU2Tnp0VGxkUy1mbjJTVV9GU25JYnJrbVhyYzVhN3ZVZ2JpSG5LWGZyV2M3clB3?oc=5) · Shasta County CA (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58411 (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/43.json (key "58411", 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