CornerStone Bank
Lexington, VA
IDRSSD: 3816163
Total Assets
$224.93M
Latest filing
Total Deposits
$192.13M
Latest filing
Net Interest Margin
4.49%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051409595LEXINGTON, VA
Key People
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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 01/30/2026Established 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 | 01/30/2026 |
| CERT | 58859 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $224.93M |
| Total Deposits | $192.13M |
| Total Liabilities | $201.29M |
| Total Equity Capital | $23.65M |
| Net Income | $656.00k |
| Net Loans and Leases | $176.05M |
| Assets Per Employee ($Millions) | $5.77M |
| Bank Premises and Fixed Assets | $4.17M |
| Cash and Balances due from Depository Institutions | $15.48M |
| Deposits Held in Domestic Offices | $192.13M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 11.05% |
| Net Interest Margin | 4.49% |
| Efficiency Ratio | 64.44% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.513% |
| Earning Assets to total Assets | 93.16% |
Income and Expense
| Total Interest Income | $3.27M |
| Total Noninterest Income | $259.00k |
| Total Interest Expense | $909.00k |
| Total Noninterest Expense | $1.69M |
| Net Interest Income | $2.36M |
| Pre-tax Net Operating Income | $813.00k |
| Provision for Credit Losses | $117.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.16M |
| Total Liabilities and Capital | $224.93M |
Securities
| Securities | $21.03M |
| Available-for-sale debt securities | $5.83M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $15.27M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of CornerStone Bank?
$224.93M as of the latest filing.
How much are CornerStone Bank's total deposits?
$192.13M in total deposits.
Where is CornerStone Bank located?
Lexington, VA.
What is the Net Interest Margin?
4.49%.
How many domestic offices does it operate?
4.
When was it established?
02/17/2009.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$176.05M (latest filing).
What is the total interest income (latest filing)?
$3.27M.