Cornerstone Bank
York, NE
IDRSSD: 403151
Total Assets
$2.77B
Latest filing
Total Deposits
$2.39B
Latest filing
Net Interest Margin
3.31%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Cornerstone Bank
529 N Lincoln Ave
York, NE 68467
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/22/1882FDIC Certificate 3727
Branches (49)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Cornerstone Bank (Main) | 529 N Lincoln Ave | York, NE |
| TILDEN BRANCH | 100 E 2nd St | Tilden, NE |
| NORTH LOUP VALLEY BRANCH | 404 W 1st St | North Loup, NE |
| ORCHARD BRANCH | 145 E 2nd St | Orchard, NE |
| MCCOOL JUNCTION BRANCH | 401 E M St | Mccool Junction, NE |
| EDGAR BRANCH | 307 N C St | Edgar, NE |
| CITY STATE BANK-CLAY CENTER | 103 S Brown Ave | Clay Center, NE |
| DAVENPORT FRONTIER BRANCH | 100 W 6th St | Davenport, NE |
Showing 7 of 49
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 | 04/22/1882 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68467 |
| State and County Number | 31185 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 499 |
| Domestic Offices | 50 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/05/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cornerstoneconnect.com |
| Data Updated | 11/14/2025 |
| CERT | 5496 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.77B |
| Total Deposits | $2.39B |
| Total Liabilities | $2.54B |
| Total Equity Capital | $235.59M |
| Net Income | $8.02M |
| Net Loans and Leases | $2.10B |
| Assets Per Employee ($Millions) | $5.47M |
| Bank Premises and Fixed Assets | $35.18M |
| Cash and Balances due from Depository Institutions | $91.11M |
| Deposits Held in Domestic Offices | $2.39B |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 13.88% |
| Net Interest Margin | 3.31% |
| Efficiency Ratio | 62.03% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.493% |
| Earning Assets to total Assets | 94.19% |
Income and Expense
| Total Interest Income | $38.98M |
| Total Noninterest Income | $4.91M |
| Total Interest Expense | $17.33M |
| Total Noninterest Expense | $16.98M |
| Net Interest Income | $21.64M |
| Pre-tax Net Operating Income | $8.35M |
| Provision for Credit Losses | $1.21M |
| 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 | $128.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $200.00k |
| Federal Funds Purchased and Repurchased Agreement | $8.33M |
| All Other Liabilities | $13.76M |
| Total Liabilities and Capital | $2.77B |
Securities
| Securities | $489.16M |
| Available-for-sale debt securities | $299.93M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $187.99M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Cornerstone Bank?
$2.77B as of the latest filing.
How much are Cornerstone Bank's total deposits?
$2.39B in total deposits.
Where is Cornerstone Bank located?
York, NE.
What is the Net Interest Margin?
3.31%.
How many domestic offices does it operate?
50.
When was it established?
04/22/1882.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$2.10B (latest filing).
What is the total interest income (latest filing)?
$38.98M.