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Cornerstone Bank

IDRSSD: 447100
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #447100 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 1.3%, loans/deposits 104.2%, cash 3.3% of assets.

Cash / Assets
3.25%
Loans / Deposits
104.18%
Brokered %
1.29%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ -4
84
Sub-score

Capital position is strong: Tier 1 RBC 12.67%, CET1 12.67%, leverage 9.63%.

Tier 1 RBC
12.67%
CET1
12.67%
Leverage
9.63%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.51%, Texas Ratio 4.0%, NCO YTD -0.02%.

Adjusted NPL
0.51%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
-0.02%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -10
68
Sub-score

Reserves are stable: ALLL 0.81% of loans, coverage 160.8%, true coverage 128.6%.

ALLL / Loans
0.81%
Coverage
160.8%
True Loss Coverage
128.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 19:42:15 UTC