CornerStone Bank
Lexington, VA
IDRSSD: 3816163
Total Assets
$226.10M
Latest filing
Total Deposits
$189.09M
Latest filing
Net Interest Margin
4.20%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
CornerStone Bank
54 S Main St
Lexington, VA 24450
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/17/2009FDIC Certificate 470827
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| CornerStone Bank (Main) | 54 S Main St | Lexington, VA |
| LEE HIGHWAY BRANCH | 719 N Lee Hwy | Lexington, VA |
| BUENA VISTA BRANCH | 2235 Beech Ave | Buena Vista, VA |
| KENDAL BRANCH | 160 Kendal Dr | Lexington, VA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 02/17/2009 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24450 |
| State and County Number | 51678 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/09/2022 |
| Date of Deposit Insurance | 02/17/2009 |
| Primary Insurance Agency | DIF |
| Website | www.cornerstonebankva.com |
| Data Updated | 11/14/2025 |
| CERT | 58859 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $226.10M |
| Total Deposits | $189.09M |
| Total Liabilities | $202.24M |
| Total Equity Capital | $23.86M |
| Net Income | $550.00k |
| Net Loans and Leases | $179.23M |
| Assets Per Employee ($Millions) | $6.11M |
| Bank Premises and Fixed Assets | $4.17M |
| Cash and Balances due from Depository Institutions | $12.06M |
| Deposits Held in Domestic Offices | $189.09M |
Key Performance Ratios
| Return on Assets (ROA) | 0.98% |
| Return on Equity (ROE) | 9.33% |
| Net Interest Margin | 4.2% |
| Efficiency Ratio | 66.98% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.554% |
| Earning Assets to total Assets | 93% |
Income and Expense
| Total Interest Income | $3.16M |
| Total Noninterest Income | $241.00k |
| Total Interest Expense | $960.00k |
| Total Noninterest Expense | $1.63M |
| Net Interest Income | $2.20M |
| Pre-tax Net Operating Income | $680.00k |
| Provision for Credit Losses | $125.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.16M |
| Total Liabilities and Capital | $226.10M |
Securities
| Securities | $22.23M |
| Available-for-sale debt securities | $5.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $16.53M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CornerStone Bank?
$226.10M as of the latest filing.
How much are CornerStone Bank's total deposits?
$189.09M in total deposits.
Where is CornerStone Bank located?
Lexington, VA.
What is the Net Interest Margin?
4.20%.
How many domestic offices does it operate?
4.
When was it established?
02/17/2009.
What is the Return on Assets (ROA)?
0.98%.
How much are total loans and leases?
$179.23M (latest filing).
What is the total interest income (latest filing)?
$3.16M.