# CORNERSTONE COMMUNITY BANK
OWENSBORO, KY · FDIC certificate 59379 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $44.5M | |
| Deposits | $19.9M | |
| Loans and leases | $2.9M | |
| Total equity | $24.6M | |
| Loans / deposits | 14.31% (p5 of band) | 73.59% |
| Liquid assets / assets | 92.69% (p99 of band) | |
| Uninsured deposits / deposits | 63.27% (p99 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 277.16% (p100 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.34% (p5 of band) | 1.17% |
| Net interest margin | 0.24% (p0 of band) | 3.93% |
| Efficiency ratio | 171.43% (p98 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $30,000 (1.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 10 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2026-06 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |

## 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
- 2026-06-09 [Cornerstone Community Bank opens in Owensboro, first new KY bank charter since 2009 - The Owensboro Times](https://news.google.com/rss/articles/CBMiywFBVV95cUxONEFVWVQ2RWxWRzhqSE1nV0d0aldvNHRoNnp3TlZLTmVFNXVnQTI1U0RHZGZGelRBNWxxdjlCUDlZNEJEdk43QjVydFM1b2JhaE9tY0dNaFhPbTFLOGFTZDdiZ0MybEU4Qlh6ay0xUDQ4OTFVQTZEMGYtZXRDX29zVVQ3R2VDdmk4MnZuTDZTanZmanB2R3BIY2hYdTEtWllwXzJveURBd0djOF8tLThSRTk3WllpMkM3NF9EMmw0U3BwV3NnZVU3QWhnMA?oc=5) · The Owensboro Times
- 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
- 2026-06-11 [Kentucky grants first new bank charter since 2009 - Eyewitness News (WEHT/WTVW)](https://news.google.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?oc=5) · Eyewitness News (WEHT/WTVW)
- 2026-02-13 [Cornerstone Community Bank secures state and FDIC approval, eyes 2026 opening - The Owensboro Times](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQYURoNWt3VEhpM0ltbWxnSFlzMFFTZFBOUndleFdMZjFHbjd5Z1ROeFhyQ05ZWm9MNUR3bVd0emd4RHRqUFp3UDh2ZzlpdUhnWUh3dUk0X0k1Zl9NejM2dDZDV0lDZkJ0N1l2UGxVdjV5b0xUWHl5Uml6ZEt0MExPdGd3cWRndjNjbnpqM0xlWVdtSXdubWtha0pPa3JIdV93S0xXQUdwaUVRWk9pWUJNWHVvamNud0x6VGJYV3VBVFZMcE0?oc=5) · The Owensboro Times
- 2026-06-08 [City's 12th bank opened Monday - Messenger-Inquirer](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOMHI2ckJUQ0FGb29fY2h2R3MtbWVROWhVWU5GUld1dWMtWll6bl9FUXpMazhvRkNiMjZJdjM1UlFhWnUxWlpUSVJxS0JRcDNCa2lUX1Q4Q1A0dUtrQzdLclJueEFKSUpPMUVzNDh4eFV1YUVmaklBTzBfelRtcFZlamNJVVJ4eUdiUTlWbkFQaWVEbDVyYUVrdjAxRG9VaEFGZGFVcWt3UHpJNTJabFdsY2NVVkdxbHFVODJLQml1OFE1TE0?oc=5) · Messenger-Inquirer
- 2025-08-16 [Local group plans to launch Cornerstone Community Bank, aiming for $20M investment - The Owensboro Times](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPcmdaZ1l0ejRvdmlNN2JYMlg0UzRuRTdwVVg5QnNISXBWTXlWcHFTNFAxdnlOYVhKZFlzZUs0Q21PSWoxYmNXZHdEaVhJWTNjRUFfcjRXVkV1TWxBZmYtT1kwZEtxQzhMM0JMRVQ1RzFQX05LcmNaYXhrZ25IaG9qRkx0Slk5bm93RTZLamp3QVVicjc4Mzh5Q0dmRU1Xd0poelNUenBjbVFyUkhrNzBtazlHbi1WSnJPS3Voa2d2cURLRGs?oc=5) · The Owensboro Times
- 2026-06-11 [Gov. Beshear talks lowering gas prices, medical cannabis, new Owensboro bank - 14 News](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTUIwZHV1SVRjS0lmaGFsNjNER3hRX0NfWFRFTkFzQWZvUGduZUk0YXlTdTRwVm1MSWZTX3Y5a2xsTzVyLWZVMzJNVDhtd3FyZktWaXpHVHZzY1pJbU4zWVBheUtZeWZHcTQtNnJrbWxRM3dVT1VWSkRlTnBFbmZBb3dZSURlWFgxS1VLUEVtVzV5YWs1U0JJU2YxSHBvdnpGdjB3RGljbHhqbVFY?oc=5) · 14 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59379 (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 "59379", 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